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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 | $45,689 | $61,660-25.9% | $80,022-42.9% | $64,173-28.8% |
| Participation rate | 57.5% | 71.7%-14.2pp | 75.8%-18.3pp | 69.6%-12.1pp |
| Annual return | -4.12% | -0.33%-3.8pp | 11.22%-15.3pp | 7.63%-11.8pp |
| Employer contribution / active EE | $1,296 | $1,810-28.4% | $2,468-47.5% | $2,381-45.5% |
| Participant deferral / active EE | $2,650 | $2,968-10.7% | $3,686-28.1% | $3,470-23.6% |
| Admin fee / account holder | $2,329 | $5,417-57.0% | $6,521-64.3% | $4,887-52.3% |