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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 | $37,077 | $49,280-24.8% | $67,313-44.9% | $64,173-42.2% |
| Participation rate | 46.1% | 60.8%-14.7pp | 69.1%-23.0pp | 69.6%-23.5pp |
| Annual return | -1.29% | -1.39%+0.1pp | -4.08%+2.8pp | 7.63%-8.9pp |
| Employer contribution / active EE | $856 | $1,668-48.7% | $2,566-66.6% | $2,381-64.0% |
| Participant deferral / active EE | $1,595 | $2,484-35.8% | $3,568-55.3% | $3,470-54.0% |
| Admin fee / account holder | $649 | $3,863-83.2% | $4,507-85.6% | $4,887-86.7% |