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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 | $20,810 | $48,267-56.9% | $68,808-69.8% | $68,486-69.6% |
| Participation rate | 47.3% | 60.7%-13.4pp | 69.0%-21.7pp | 67.9%-20.6pp |
| Annual return | -11.07% | -12.70%+1.6pp | -6.37%-4.7pp | -7.85%-3.2pp |
| Employer contribution / active EE | $1,402 | $1,829-23.4% | $2,656-47.2% | $2,597-46.0% |
| Participant deferral / active EE | $3,001 | $2,867+4.7% | $3,942-23.9% | $4,028-25.5% |
| Admin fee / account holder | $2,799 | $4,362-35.8% | $4,936-43.3% | $5,404-48.2% |