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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 | $43,157 | $59,805-27.8% | $79,551-45.7% | $68,498-37.0% |
| Participation rate | 44.2% | 61.1%-16.9pp | 69.5%-25.3pp | 67.9%-23.7pp |
| Annual return | -11.70% | -12.30%+0.6pp | 0.14%-11.8pp | -7.84%-3.9pp |
| Employer contribution / active EE | $3,787 | $1,505+151.7% | $2,413+57.0% | $2,596+45.9% |
| Participant deferral / active EE | $1,562 | $3,024-48.4% | $3,985-60.8% | $4,027-61.2% |
| Admin fee / account holder | $1,955 | $4,835-59.6% | $6,833-71.4% | $5,403-63.8% |