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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 | $25,494 | $59,819-57.4% | $79,583-68.0% | $68,490-62.8% |
| Participation rate | 48.1% | 61.1%-12.9pp | 69.5%-21.3pp | 67.9%-19.7pp |
| Annual return | -18.86% | -12.30%-6.6pp | 0.16%-19.0pp | -7.85%-11.0pp |
| Employer contribution / active EE | $1,372 | $1,505-8.9% | $2,414-43.2% | $2,597-47.2% |
| Participant deferral / active EE | $2,817 | $3,025-6.9% | $3,986-29.3% | $4,028-30.1% |
| Admin fee / account holder | $1,695 | $4,835-65.0% | $6,835-75.2% | $5,403-68.6% |