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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 | $44,628 | $49,280-9.4% | $67,313-33.7% | $64,173-30.5% |
| Participation rate | 37.9% | 60.8%-22.9pp | 69.1%-31.2pp | 69.6%-31.7pp |
| Annual return | -5.58% | -1.39%-4.2pp | -4.08%-1.5pp | 7.63%-13.2pp |
| Employer contribution / active EE | $1,123 | $1,668-32.7% | $2,566-56.2% | $2,381-52.8% |
| Participant deferral / active EE | $2,898 | $2,484+16.6% | $3,568-18.8% | $3,470-16.5% |
| Admin fee / account holder | $1,839 | $3,863-52.4% | $4,507-59.2% | $4,887-62.4% |