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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 | $23,693 | $71,878-67.0% | $86,698-72.7% | $68,486-65.4% |
| Participation rate | 58.3% | 72.2%-13.9pp | 76.6%-18.3pp | 67.9%-9.6pp |
| Annual return | -11.15% | 3.53%-14.7pp | 35.95%-47.1pp | -7.85%-3.3pp |
| Employer contribution / active EE | $1,286 | $2,173-40.8% | $2,837-54.7% | $2,597-50.5% |
| Participant deferral / active EE | $2,247 | $3,779-40.5% | $4,656-51.7% | $4,028-44.2% |
| Admin fee / account holder | $467 | $6,113-92.4% | $7,493-93.8% | $5,404-91.4% |