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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 | $40,002 | $45,872-12.8% | $77,096-48.1% | $68,486-41.6% |
| Participation rate | 59.6% | 55.9%+3.7pp | 67.9%-8.3pp | 67.9%-8.2pp |
| Annual return | -12.92% | 1.73%-14.6pp | 42.35%-55.3pp | -7.85%-5.1pp |
| Employer contribution / active EE | $1,340 | $1,650-18.8% | $2,814-52.4% | $2,597-48.4% |
| Participant deferral / active EE | $2,612 | $2,963-11.8% | $4,429-41.0% | $4,028-35.1% |
| Admin fee / account holder | $684 | $3,041-77.5% | $5,428-87.4% | $5,404-87.3% |