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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 | $36,450 | $42,383-14.0% | $76,518-52.4% | $64,173-43.2% |
| Participation rate | 38.7% | 58.1%-19.5pp | 68.0%-29.3pp | 69.6%-30.9pp |
| Annual return | -4.35% | -16.54%+12.2pp | -0.27%-4.1pp | 7.63%-12.0pp |
| Employer contribution / active EE | $240 | $1,563-84.7% | $2,647-91.0% | $2,381-89.9% |
| Participant deferral / active EE | $2,852 | $2,566+11.1% | $3,836-25.7% | $3,470-17.8% |
| Admin fee / account holder | $3,450 | $3,198+7.9% | $4,849-28.8% | $4,887-29.4% |