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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 | $67,897 | $56,339+20.5% | $104,301-34.9% | $68,495-0.9% |
| Participation rate | 45.7% | 63.3%-17.6pp | 73.3%-27.6pp | 67.9%-22.2pp |
| Annual return | -7.57% | -9.19%+1.6pp | 24.61%-32.2pp | -7.84%+0.3pp |
| Employer contribution / active EE | $851 | $1,960-56.6% | $3,373-74.8% | $2,596-67.2% |
| Participant deferral / active EE | $2,248 | $3,077-27.0% | $4,626-51.4% | $4,028-44.2% |
| Admin fee / account holder | $15,201 | $4,902+210.1% | $7,340+107.1% | $5,403+181.3% |