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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 | $18,517 | $48,235-61.6% | $68,803-73.1% | $68,490-73.0% |
| Participation rate | 40.0% | 60.7%-20.7pp | 69.0%-29.0pp | 67.9%-27.9pp |
| Annual return | -8.48% | -12.70%+4.2pp | -6.37%-2.1pp | -7.85%-0.6pp |
| Employer contribution / active EE | $999 | $1,829-45.4% | $2,656-62.4% | $2,597-61.5% |
| Participant deferral / active EE | $1,334 | $2,867-53.5% | $3,942-66.2% | $4,028-66.9% |
| Admin fee / account holder | $1,360 | $4,361-68.8% | $4,936-72.5% | $5,403-74.8% |