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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 | $40,654 | $77,816-47.8% | $123,552-67.1% | $64,173-36.6% |
| Participation rate | 59.5% | 74.7%-15.3pp | 82.3%-22.8pp | 69.6%-10.1pp |
| Annual return | -6.33% | 12.49%-18.8pp | 119.20%-125.5pp | 7.63%-14.0pp |
| Employer contribution / active EE | $1,850 | $3,014-38.6% | $4,628-60.0% | $2,381-22.3% |
| Participant deferral / active EE | $3,970 | $5,240-24.2% | $6,426-38.2% | $3,470+14.4% |
| Admin fee / account holder | $696 | $5,519-87.4% | $9,285-92.5% | $4,887-85.8% |