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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 | $28,702 | $73,863-61.1% | $143,797-80.0% | $68,490-58.1% |
| Participation rate | 45.6% | 66.7%-21.1pp | 80.3%-34.7pp | 67.9%-22.3pp |
| Annual return | -16.24% | 0.91%-17.2pp | -0.04%-16.2pp | -7.85%-8.4pp |
| Employer contribution / active EE | $2,685 | $3,185-15.7% | $4,952-45.8% | $2,597+3.4% |
| Participant deferral / active EE | $1,090 | $3,385-67.8% | $5,638-80.7% | $4,028-72.9% |
| Admin fee / account holder | $978 | $5,756-83.0% | $14,679-93.3% | $5,403-81.9% |