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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 | $46,030 | $64,716-28.9% | $112,258-59.0% | $68,495-32.8% |
| Participation rate | 45.1% | 67.2%-22.1pp | 75.1%-30.0pp | 67.9%-22.8pp |
| Annual return | -15.45% | -11.40%-4.0pp | 27.47%-42.9pp | -7.84%-7.6pp |
| Employer contribution / active EE | $983 | $2,746-64.2% | $3,636-72.9% | $2,596-62.1% |
| Participant deferral / active EE | $2,912 | $3,565-18.3% | $4,728-38.4% | $4,028-27.7% |
| Admin fee / account holder | $5,454 | $5,232+4.2% | $6,411-14.9% | $5,403+0.9% |