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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 | $44,644 | $45,872-2.7% | $77,100-42.1% | $68,490-34.8% |
| Participation rate | 44.2% | 55.9%-11.7pp | 67.9%-23.7pp | 67.9%-23.7pp |
| Annual return | -13.14% | 1.73%-14.9pp | 42.35%-55.5pp | -7.85%-5.3pp |
| Employer contribution / active EE | $1,475 | $1,650-10.6% | $2,815-47.6% | $2,597-43.2% |
| Participant deferral / active EE | $3,505 | $2,963+18.3% | $4,430-20.9% | $4,028-13.0% |
| Admin fee / account holder | $5,275 | $3,041+73.5% | $5,443-3.1% | $5,403-2.4% |