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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 | $36,670 | $42,909-14.5% | $60,906-39.8% | $68,486-46.5% |
| Participation rate | 38.9% | 66.8%-27.9pp | 73.1%-34.2pp | 67.9%-29.0pp |
| Annual return | -11.33% | -13.99%+2.7pp | 16.94%-28.3pp | -7.85%-3.5pp |
| Employer contribution / active EE | $630 | $1,979-68.2% | $2,703-76.7% | $2,597-75.7% |
| Participant deferral / active EE | $939 | $2,866-67.2% | $3,814-75.4% | $4,028-76.7% |
| Admin fee / account holder | $520 | $3,104-83.2% | $3,227-83.9% | $5,404-90.4% |