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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 | $31,946 | $71,878-55.6% | $86,698-63.2% | $68,486-53.4% |
| Participation rate | 65.2% | 72.2%-7.1pp | 76.6%-11.4pp | 67.9%-2.7pp |
| Annual return | -18.02% | 3.53%-21.6pp | 35.95%-54.0pp | -7.85%-10.2pp |
| Employer contribution / active EE | $723 | $2,173-66.7% | $2,837-74.5% | $2,597-72.1% |
| Participant deferral / active EE | $4,219 | $3,779+11.6% | $4,656-9.4% | $4,028+4.8% |
| Admin fee / account holder | $836 | $6,113-86.3% | $7,493-88.8% | $5,404-84.5% |