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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 | $14,143 | $45,872-69.2% | $77,100-81.7% | $68,490-79.4% |
| Participation rate | 34.9% | 55.9%-21.0pp | 67.9%-33.0pp | 67.9%-33.0pp |
| Annual return | -12.97% | 1.73%-14.7pp | 42.35%-55.3pp | -7.85%-5.1pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,609 | $2,963-11.9% | $4,430-41.1% | $4,028-35.2% |
| Admin fee / account holder | $1,370 | $3,041-54.9% | $5,443-74.8% | $5,403-74.6% |