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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 | $53,333 | $73,863-27.8% | $143,797-62.9% | $68,490-22.1% |
| Participation rate | 40.0% | 66.7%-26.7pp | 80.3%-40.3pp | 67.9%-27.9pp |
| Annual return | -12.90% | 0.91%-13.8pp | -0.04%-12.9pp | -7.85%-5.0pp |
| Employer contribution / active EE | $496 | $3,185-84.4% | $4,952-90.0% | $2,597-80.9% |
| Participant deferral / active EE | $2,060 | $3,385-39.1% | $5,638-63.5% | $4,028-48.9% |
| Admin fee / account holder | $485 | $5,756-91.6% | $14,679-96.7% | $5,403-91.0% |