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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 | $31,432 | $64,729-51.4% | $112,263-72.0% | $68,490-54.1% |
| Participation rate | 51.1% | 67.2%-16.1pp | 75.1%-24.0pp | 67.9%-16.8pp |
| Annual return | -18.81% | -11.40%-7.4pp | 27.49%-46.3pp | -7.85%-11.0pp |
| Employer contribution / active EE | $1,513 | $2,746-44.9% | $3,636-58.4% | $2,597-41.7% |
| Participant deferral / active EE | $2,557 | $3,566-28.3% | $4,729-45.9% | $4,028-36.5% |
| Admin fee / account holder | $608 | $5,222-88.4% | $6,410-90.5% | $5,403-88.7% |