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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 | $39,636 | $62,589-36.7% | $76,768-48.4% | $64,173-38.2% |
| Participation rate | 46.7% | 72.8%-26.1pp | 77.0%-30.2pp | 69.6%-22.8pp |
| Annual return | -5.31% | -1.95%-3.4pp | 2.43%-7.7pp | 7.63%-12.9pp |
| Employer contribution / active EE | $973 | $1,832-46.9% | $2,485-60.9% | $2,381-59.1% |
| Participant deferral / active EE | $1,600 | $3,145-49.1% | $3,852-58.5% | $3,470-53.9% |
| Admin fee / account holder | $478 | $4,667-89.7% | $6,675-92.8% | $4,887-90.2% |