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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 | $43,080 | $42,383+1.6% | $76,523-43.7% | $64,181-32.9% |
| Participation rate | 55.9% | 58.1%-2.2pp | 68.0%-12.1pp | 69.6%-13.6pp |
| Annual return | -4.27% | -16.54%+12.3pp | -0.27%-4.0pp | 7.63%-11.9pp |
| Employer contribution / active EE | $2,221 | $1,563+42.1% | $2,647-16.1% | $2,381-6.7% |
| Participant deferral / active EE | $2,054 | $2,566-20.0% | $3,835-46.4% | $3,470-40.8% |
| Admin fee / account holder | $1,748 | $3,198-45.4% | $4,848-64.0% | $4,887-64.2% |