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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 | $40,609 | $64,719-37.3% | $112,249-63.8% | $68,486-40.7% |
| Participation rate | 60.0% | 67.2%-7.2pp | 75.1%-15.1pp | 67.9%-7.9pp |
| Annual return | -18.47% | -11.40%-7.1pp | 27.48%-46.0pp | -7.85%-10.6pp |
| Employer contribution / active EE | $2,002 | $2,747-27.1% | $3,636-44.9% | $2,597-22.9% |
| Participant deferral / active EE | $3,376 | $3,565-5.3% | $4,729-28.6% | $4,028-16.2% |
| Admin fee / account holder | $2,062 | $5,232-60.6% | $6,412-67.8% | $5,404-61.8% |