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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 | $33,963 | $42,909-20.8% | $60,906-44.2% | $68,486-50.4% |
| Participation rate | 57.8% | 66.8%-8.9pp | 73.1%-15.3pp | 67.9%-10.1pp |
| Annual return | -15.88% | -13.99%-1.9pp | 16.94%-32.8pp | -7.85%-8.0pp |
| Employer contribution / active EE | $1,397 | $1,979-29.4% | $2,703-48.3% | $2,597-46.2% |
| Participant deferral / active EE | $1,254 | $2,866-56.2% | $3,814-67.1% | $4,028-68.9% |
| Admin fee / account holder | $955 | $3,104-69.2% | $3,227-70.4% | $5,404-82.3% |