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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 | $73,389 | $45,872+60.0% | $77,100-4.8% | $68,490+7.2% |
| Participation rate | 46.4% | 55.9%-9.5pp | 67.9%-21.5pp | 67.9%-21.5pp |
| Annual return | -17.90% | 1.73%-19.6pp | 42.35%-60.3pp | -7.85%-10.0pp |
| Employer contribution / active EE | $1,322 | $1,650-19.9% | $2,815-53.0% | $2,597-49.1% |
| Participant deferral / active EE | $3,086 | $2,963+4.2% | $4,430-30.3% | $4,028-23.4% |
| Admin fee / account holder | $945 | $3,041-68.9% | $5,443-82.6% | $5,403-82.5% |