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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 | $43,178 | $50,958-15.3% | $74,552-42.1% | $64,181-32.7% |
| Participation rate | 38.2% | 61.1%-22.9pp | 69.1%-30.9pp | 69.6%-31.4pp |
| Annual return | -7.12% | -1.86%-5.3pp | 32.53%-39.6pp | 7.63%-14.7pp |
| Employer contribution / active EE | $707 | $1,115-36.6% | $1,961-63.9% | $2,381-70.3% |
| Participant deferral / active EE | $2,470 | $2,301+7.3% | $3,108-20.5% | $3,470-28.8% |
| Admin fee / account holder | $1,904 | $4,223-54.9% | $5,060-62.4% | $4,887-61.0% |