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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 | $29,310 | $56,339-48.0% | $104,301-71.9% | $68,486-57.2% |
| Participation rate | 63.6% | 63.3%+0.4pp | 73.3%-9.6pp | 67.9%-4.3pp |
| Annual return | -12.95% | -9.19%-3.8pp | 24.61%-37.6pp | -7.85%-5.1pp |
| Employer contribution / active EE | $1,343 | $1,960-31.5% | $3,373-60.2% | $2,597-48.3% |
| Participant deferral / active EE | $2,314 | $3,077-24.8% | $4,626-50.0% | $4,028-42.5% |
| Admin fee / account holder | $3,695 | $4,902-24.6% | $7,340-49.7% | $5,404-31.6% |