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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 | $58,059 | $59,813-2.9% | $79,580-27.0% | $68,486-15.2% |
| Participation rate | 45.5% | 61.1%-15.6pp | 69.5%-24.0pp | 67.9%-22.4pp |
| Annual return | -17.69% | -12.30%-5.4pp | 0.15%-17.8pp | -7.85%-9.8pp |
| Employer contribution / active EE | $381 | $1,505-74.7% | $2,413-84.2% | $2,597-85.3% |
| Participant deferral / active EE | $3,064 | $3,024+1.3% | $3,985-23.1% | $4,028-23.9% |
| Admin fee / account holder | $1,552 | $4,835-67.9% | $6,835-77.3% | $5,404-71.3% |