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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 | $45,751 | $81,870-44.1% | $119,634-61.8% | $68,490-33.2% |
| Participation rate | 55.6% | 71.9%-16.3pp | 79.3%-23.7pp | 67.9%-12.3pp |
| Annual return | -17.54% | -23.82%+6.3pp | -14.98%-2.6pp | -7.85%-9.7pp |
| Employer contribution / active EE | $2,191 | $2,692-18.6% | $4,232-48.2% | $2,597-15.6% |
| Participant deferral / active EE | $2,681 | $4,148-35.4% | $5,601-52.1% | $4,028-33.4% |
| Admin fee / account holder | $1,614 | $6,583-75.5% | $10,329-84.4% | $5,403-70.1% |