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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 | $26,338 | $71,873-63.4% | $86,698-69.6% | $68,490-61.5% |
| Participation rate | 47.8% | 72.2%-24.4pp | 76.6%-28.8pp | 67.9%-20.1pp |
| Annual return | -18.73% | 3.54%-22.3pp | 35.96%-54.7pp | -7.85%-10.9pp |
| Employer contribution / active EE | $2,375 | $2,173+9.3% | $2,837-16.3% | $2,597-8.5% |
| Participant deferral / active EE | $4,158 | $3,779+10.0% | $4,656-10.7% | $4,028+3.2% |
| Admin fee / account holder | $965 | $6,110-84.2% | $7,492-87.1% | $5,403-82.1% |