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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 | $39,705 | $25,979+52.8% | $71,778-44.7% | $68,490-42.0% |
| Participation rate | 57.9% | 54.5%+3.4pp | 62.3%-4.5pp | 67.9%-10.0pp |
| Annual return | -15.91% | -15.10%-0.8pp | 9.15%-25.1pp | -7.85%-8.1pp |
| Employer contribution / active EE | $0 | $900-100.0% | $1,704-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,222 | $1,522-19.7% | $2,656-54.0% | $4,028-69.7% |
| Admin fee / account holder | $1,549 | $2,022-23.4% | $3,974-61.0% | $5,403-71.3% |