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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 | $32,920 | $73,848-55.4% | $143,799-77.1% | $68,486-51.9% |
| Participation rate | 50.0% | 66.7%-16.7pp | 80.3%-30.3pp | 67.9%-17.9pp |
| Annual return | -8.46% | 0.91%-9.4pp | -0.04%-8.4pp | -7.85%-0.6pp |
| Employer contribution / active EE | $2,389 | $3,184-25.0% | $4,952-51.8% | $2,597-8.0% |
| Participant deferral / active EE | $4,120 | $3,385+21.7% | $5,638-26.9% | $4,028+2.3% |
| Admin fee / account holder | $591 | $5,755-89.7% | $14,677-96.0% | $5,404-89.1% |