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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 | $25,278 | $73,839-65.8% | $143,788-82.4% | $68,495-63.1% |
| Participation rate | 33.9% | 66.7%-32.8pp | 80.3%-46.4pp | 67.9%-34.0pp |
| Annual return | -17.03% | 1.01%-18.0pp | -0.03%-17.0pp | -7.84%-9.2pp |
| Employer contribution / active EE | $778 | $3,184-75.6% | $4,952-84.3% | $2,596-70.0% |
| Participant deferral / active EE | $2,407 | $3,384-28.9% | $5,638-57.3% | $4,028-40.2% |
| Admin fee / account holder | $509 | $5,755-91.2% | $14,675-96.5% | $5,403-90.6% |