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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 | $40,673 | $45,872-11.3% | $77,096-47.2% | $68,486-40.6% |
| Participation rate | 26.3% | 55.9%-29.6pp | 67.9%-41.6pp | 67.9%-41.6pp |
| Annual return | -11.66% | 1.73%-13.4pp | 42.35%-54.0pp | -7.85%-3.8pp |
| Employer contribution / active EE | $882 | $1,650-46.6% | $2,814-68.7% | $2,597-66.1% |
| Participant deferral / active EE | $1,645 | $2,963-44.5% | $4,429-62.9% | $4,028-59.2% |
| Admin fee / account holder | $650 | $3,041-78.6% | $5,428-88.0% | $5,404-88.0% |