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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 | $44,428 | $53,546-17.0% | $69,884-36.4% | $68,486-35.1% |
| Participation rate | 60.0% | 64.5%-4.5pp | 70.5%-10.5pp | 67.9%-7.9pp |
| Annual return | -6.71% | -13.87%+7.2pp | 190.81%-197.5pp | -7.85%+1.1pp |
| Employer contribution / active EE | $1,507 | $2,019-25.3% | $2,560-41.1% | $2,597-42.0% |
| Participant deferral / active EE | $3,618 | $2,957+22.4% | $3,848-6.0% | $4,028-10.2% |
| Admin fee / account holder | $2,260 | $4,693-51.8% | $6,266-63.9% | $5,404-58.2% |