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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 | $54,902 | $64,719-15.2% | $112,249-51.1% | $68,486-19.8% |
| Participation rate | 66.7% | 67.2%-0.5pp | 75.1%-8.4pp | 67.9%-1.2pp |
| Annual return | -19.20% | -11.40%-7.8pp | 27.48%-46.7pp | -7.85%-11.3pp |
| Employer contribution / active EE | $3,836 | $2,747+39.7% | $3,636+5.5% | $2,597+47.7% |
| Participant deferral / active EE | $7,989 | $3,565+124.1% | $4,729+68.9% | $4,028+98.4% |
| Admin fee / account holder | $4,482 | $5,232-14.3% | $6,412-30.1% | $5,404-17.1% |