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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 | $39,982 | $64,719-38.2% | $112,249-64.4% | $68,486-41.6% |
| Participation rate | 56.6% | 67.2%-10.5pp | 75.1%-18.5pp | 67.9%-11.3pp |
| Annual return | 2.96% | -11.40%+14.4pp | 27.48%-24.5pp | -7.85%+10.8pp |
| Employer contribution / active EE | $1,128 | $2,747-58.9% | $3,636-69.0% | $2,597-56.6% |
| Participant deferral / active EE | $1,559 | $3,565-56.3% | $4,729-67.0% | $4,028-61.3% |
| Admin fee / account holder | $1,660 | $5,232-68.3% | $6,412-74.1% | $5,404-69.3% |