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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 | $43,447 | $64,729-32.9% | $112,263-61.3% | $68,490-36.6% |
| Participation rate | 44.1% | 67.2%-23.0pp | 75.1%-30.9pp | 67.9%-23.8pp |
| Annual return | -17.03% | -11.40%-5.6pp | 27.49%-44.5pp | -7.85%-9.2pp |
| Employer contribution / active EE | $3,331 | $2,746+21.3% | $3,636-8.4% | $2,597+28.3% |
| Participant deferral / active EE | $1,520 | $3,566-57.4% | $4,729-67.9% | $4,028-62.3% |
| Admin fee / account holder | $7,622 | $5,222+46.0% | $6,410+18.9% | $5,403+41.1% |