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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 | $27,562 | $64,729-57.4% | $112,263-75.4% | $68,490-59.8% |
| Participation rate | 39.3% | 67.2%-27.8pp | 75.1%-35.7pp | 67.9%-28.6pp |
| Annual return | -12.31% | -11.40%-0.9pp | 27.49%-39.8pp | -7.85%-4.5pp |
| Employer contribution / active EE | $1,269 | $2,746-53.8% | $3,636-65.1% | $2,597-51.1% |
| Participant deferral / active EE | $2,076 | $3,566-41.8% | $4,729-56.1% | $4,028-48.5% |
| Admin fee / account holder | $7,909 | $5,222+51.5% | $6,410+23.4% | $5,403+46.4% |