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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 | $40,171 | $45,872-12.4% | $77,081-47.9% | $68,495-41.4% |
| Participation rate | 50.0% | 55.9%-5.9pp | 67.9%-17.9pp | 67.9%-17.9pp |
| Annual return | -16.46% | 1.73%-18.2pp | 42.33%-58.8pp | -7.84%-8.6pp |
| Employer contribution / active EE | $1,842 | $1,650+11.7% | $2,813-34.5% | $2,596-29.1% |
| Participant deferral / active EE | $3,480 | $2,963+17.5% | $4,428-21.4% | $4,028-13.6% |
| Admin fee / account holder | $12,649 | $3,041+315.9% | $5,427+133.1% | $5,403+134.1% |