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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 | $43,405 | $48,267-10.1% | $68,794-36.9% | $68,495-36.6% |
| Participation rate | 54.1% | 60.7%-6.6pp | 69.0%-14.9pp | 67.9%-13.8pp |
| Annual return | -14.68% | -12.70%-2.0pp | -6.37%-8.3pp | -7.84%-6.8pp |
| Employer contribution / active EE | $1,032 | $1,829-43.6% | $2,656-61.1% | $2,596-60.2% |
| Participant deferral / active EE | $2,959 | $2,867+3.2% | $3,941-24.9% | $4,028-26.5% |
| Admin fee / account holder | $4,410 | $4,362+1.1% | $4,934-10.6% | $5,403-18.4% |