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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 | $29,384 | $62,583-53.0% | $76,767-61.7% | $64,173-54.2% |
| Participation rate | 44.9% | 72.8%-27.9pp | 77.0%-32.1pp | 69.6%-24.7pp |
| Annual return | -6.73% | -1.95%-4.8pp | 2.43%-9.2pp | 7.63%-14.4pp |
| Employer contribution / active EE | $807 | $1,832-56.0% | $2,485-67.5% | $2,381-66.1% |
| Participant deferral / active EE | $1,640 | $3,145-47.9% | $3,852-57.4% | $3,470-52.7% |
| Admin fee / account holder | $345 | $4,667-92.6% | $6,675-94.8% | $4,887-92.9% |