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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 | $47,656 | $73,009-34.7% | $90,760-47.5% | $68,486-30.4% |
| Participation rate | 29.5% | 70.8%-41.3pp | 75.7%-46.2pp | 67.9%-38.4pp |
| Annual return | -17.06% | -13.81%-3.2pp | -12.16%-4.9pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,276 | $2,193-41.8% | $2,922-56.3% | $2,597-50.9% |
| Participant deferral / active EE | $2,791 | $3,626-23.0% | $4,565-38.9% | $4,028-30.7% |
| Admin fee / account holder | $12,872 | $5,896+118.3% | $8,444+52.4% | $5,404+138.2% |