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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 | $31,298 | $42,383-26.2% | $76,518-59.1% | $64,173-51.2% |
| Participation rate | 40.4% | 58.1%-17.7pp | 68.0%-27.6pp | 69.6%-29.1pp |
| Annual return | -8.68% | -16.54%+7.9pp | -0.27%-8.4pp | 7.63%-16.3pp |
| Employer contribution / active EE | $1,055 | $1,563-32.5% | $2,647-60.1% | $2,381-55.7% |
| Participant deferral / active EE | $2,198 | $2,566-14.4% | $3,836-42.7% | $3,470-36.7% |
| Admin fee / account holder | $1,845 | $3,198-42.3% | $4,849-62.0% | $4,887-62.3% |