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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 | $39,311 | $73,848-46.8% | $143,799-72.7% | $68,486-42.6% |
| Participation rate | 59.3% | 66.7%-7.4pp | 80.3%-21.1pp | 67.9%-8.6pp |
| Annual return | -9.52% | 0.91%-10.4pp | -0.04%-9.5pp | -7.85%-1.7pp |
| Employer contribution / active EE | $1,066 | $3,184-66.5% | $4,952-78.5% | $2,597-59.0% |
| Participant deferral / active EE | $2,127 | $3,385-37.2% | $5,638-62.3% | $4,028-47.2% |
| Admin fee / account holder | $3,507 | $5,755-39.1% | $14,677-76.1% | $5,404-35.1% |