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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 | $51,570 | $73,848-30.2% | $143,799-64.1% | $68,486-24.7% |
| Participation rate | 29.0% | 66.7%-37.6pp | 80.3%-51.3pp | 67.9%-38.9pp |
| Annual return | -12.28% | 0.91%-13.2pp | -0.04%-12.2pp | -7.85%-4.4pp |
| Employer contribution / active EE | $800 | $3,184-74.9% | $4,952-83.9% | $2,597-69.2% |
| Participant deferral / active EE | $3,893 | $3,385+15.0% | $5,638-31.0% | $4,028-3.3% |
| Admin fee / account holder | $19,967 | $5,755+247.0% | $14,677+36.0% | $5,404+269.5% |