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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 | $22,623 | $56,484-59.9% | $169,452-86.6% | $64,173-64.7% |
| Participation rate | 43.6% | 64.5%-20.9pp | 77.8%-34.1pp | 69.6%-25.9pp |
| Annual return | -2.37% | -1.55%-0.8pp | 1.83%-4.2pp | 7.63%-10.0pp |
| Employer contribution / active EE | $434 | $1,832-76.3% | $4,157-89.6% | $2,381-81.8% |
| Participant deferral / active EE | $1,409 | $3,448-59.1% | $5,277-73.3% | $3,470-59.4% |
| Admin fee / account holder | $831 | $4,174-80.1% | $9,110-90.9% | $4,887-83.0% |