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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,766 | $48,267-19.7% | $68,808-43.7% | $68,486-43.4% |
| Participation rate | 37.0% | 60.7%-23.6pp | 69.0%-32.0pp | 67.9%-30.9pp |
| Annual return | -17.65% | -12.70%-5.0pp | -6.37%-11.3pp | -7.85%-9.8pp |
| Employer contribution / active EE | $920 | $1,829-49.7% | $2,656-65.4% | $2,597-64.6% |
| Participant deferral / active EE | $3,825 | $2,867+33.4% | $3,942-3.0% | $4,028-5.0% |
| Admin fee / account holder | $2,199 | $4,362-49.6% | $4,936-55.4% | $5,404-59.3% |