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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 | $31,350 | $50,947-38.5% | $74,549-57.9% | $64,173-51.1% |
| Participation rate | 20.8% | 61.1%-40.2pp | 69.1%-48.3pp | 69.6%-48.7pp |
| Annual return | -4.05% | -1.85%-2.2pp | 32.53%-36.6pp | 7.63%-11.7pp |
| Employer contribution / active EE | $935 | $1,115-16.2% | $1,961-52.3% | $2,381-60.7% |
| Participant deferral / active EE | $1,371 | $2,302-40.4% | $3,108-55.9% | $3,470-60.5% |
| Admin fee / account holder | $4,786 | $4,221+13.4% | $5,059-5.4% | $4,887-2.1% |