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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 | $45,973 | $64,729-29.0% | $112,263-59.0% | $68,490-32.9% |
| Participation rate | 41.4% | 67.2%-25.8pp | 75.1%-33.7pp | 67.9%-26.5pp |
| Annual return | -12.57% | -11.40%-1.2pp | 27.49%-40.1pp | -7.85%-4.7pp |
| Employer contribution / active EE | $1,332 | $2,746-51.5% | $3,636-63.4% | $2,597-48.7% |
| Participant deferral / active EE | $2,140 | $3,566-40.0% | $4,729-54.7% | $4,028-46.9% |
| Admin fee / account holder | $31,062 | $5,222+494.9% | $6,410+384.6% | $5,403+474.9% |