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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 | $28,302 | $64,719-56.3% | $112,249-74.8% | $68,486-58.7% |
| Participation rate | 48.5% | 67.2%-18.7pp | 75.1%-26.6pp | 67.9%-19.4pp |
| Annual return | -19.07% | -11.40%-7.7pp | 27.48%-46.6pp | -7.85%-11.2pp |
| Employer contribution / active EE | $1,019 | $2,747-62.9% | $3,636-72.0% | $2,597-60.8% |
| Participant deferral / active EE | $2,556 | $3,565-28.3% | $4,729-45.9% | $4,028-36.5% |
| Admin fee / account holder | $404 | $5,232-92.3% | $6,412-93.7% | $5,404-92.5% |