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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 | $49,491 | $52,836-6.3% | $105,736-53.2% | $64,173-22.9% |
| Participation rate | 49.0% | 66.5%-17.5pp | 76.3%-27.3pp | 69.6%-20.5pp |
| Annual return | -7.25% | 14.30%-21.5pp | 6.27%-13.5pp | 7.63%-14.9pp |
| Employer contribution / active EE | $1,222 | $1,827-33.1% | $3,268-62.6% | $2,381-48.7% |
| Participant deferral / active EE | $2,504 | $2,545-1.6% | $4,080-38.6% | $3,470-27.8% |
| Admin fee / account holder | $675 | $3,959-82.9% | $6,913-90.2% | $4,887-86.2% |