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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 | $44,098 | $49,280-10.5% | $67,313-34.5% | $64,181-31.3% |
| Participation rate | 59.5% | 60.8%-1.3pp | 69.1%-9.6pp | 69.6%-10.1pp |
| Annual return | -2.85% | -1.39%-1.5pp | -4.08%+1.2pp | 7.63%-10.5pp |
| Employer contribution / active EE | $487 | $1,668-70.8% | $2,566-81.0% | $2,381-79.6% |
| Participant deferral / active EE | $2,239 | $2,484-9.9% | $3,568-37.3% | $3,470-35.5% |
| Admin fee / account holder | $3,646 | $3,863-5.6% | $4,507-19.1% | $4,887-25.4% |