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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 | $57,218 | $81,870-30.1% | $119,634-52.2% | $68,490-16.5% |
| Participation rate | 58.1% | 71.9%-13.8pp | 79.3%-21.2pp | 67.9%-9.8pp |
| Annual return | -18.08% | -23.82%+5.7pp | -14.98%-3.1pp | -7.85%-10.2pp |
| Employer contribution / active EE | $1,521 | $2,692-43.5% | $4,232-64.1% | $2,597-41.4% |
| Participant deferral / active EE | $3,454 | $4,148-16.7% | $5,601-38.3% | $4,028-14.3% |
| Admin fee / account holder | $2,250 | $6,583-65.8% | $10,329-78.2% | $5,403-58.3% |