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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 | $39,616 | $64,719-38.8% | $112,249-64.7% | $68,486-42.2% |
| Participation rate | 55.9% | 67.2%-11.3pp | 75.1%-19.2pp | 67.9%-12.0pp |
| Annual return | -14.70% | -11.40%-3.3pp | 27.48%-42.2pp | -7.85%-6.8pp |
| Employer contribution / active EE | $2,223 | $2,747-19.1% | $3,636-38.9% | $2,597-14.4% |
| Participant deferral / active EE | $3,592 | $3,565+0.8% | $4,729-24.0% | $4,028-10.8% |
| Admin fee / account holder | $5,237 | $5,232+0.1% | $6,412-18.3% | $5,404-3.1% |