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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 | $44,950 | $48,267-6.9% | $68,808-34.7% | $68,486-34.4% |
| Participation rate | 40.5% | 60.7%-20.2pp | 69.0%-28.5pp | 67.9%-27.4pp |
| Annual return | -13.84% | -12.70%-1.1pp | -6.37%-7.5pp | -7.85%-6.0pp |
| Employer contribution / active EE | $854 | $1,829-53.3% | $2,656-67.8% | $2,597-67.1% |
| Participant deferral / active EE | $2,960 | $2,867+3.2% | $3,942-24.9% | $4,028-26.5% |
| Admin fee / account holder | $1,046 | $4,362-76.0% | $4,936-78.8% | $5,404-80.7% |