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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 | $51,728 | $48,267+7.2% | $68,808-24.8% | $68,486-24.5% |
| Participation rate | 49.2% | 60.7%-11.5pp | 69.0%-19.9pp | 67.9%-18.7pp |
| Annual return | -7.41% | -12.70%+5.3pp | -6.37%-1.0pp | -7.85%+0.4pp |
| Employer contribution / active EE | $1,306 | $1,829-28.6% | $2,656-50.8% | $2,597-49.7% |
| Participant deferral / active EE | $2,638 | $2,867-8.0% | $3,942-33.1% | $4,028-34.5% |
| Admin fee / account holder | $20,859 | $4,362+378.2% | $4,936+322.6% | $5,404+286.0% |