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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 | $66,572 | $56,339+18.2% | $104,301-36.2% | $68,486-2.8% |
| Participation rate | 62.0% | 63.3%-1.3pp | 73.3%-11.3pp | 67.9%-5.9pp |
| Annual return | -13.11% | -9.19%-3.9pp | 24.61%-37.7pp | -7.85%-5.3pp |
| Employer contribution / active EE | $3,409 | $1,960+73.9% | $3,373+1.1% | $2,597+31.3% |
| Participant deferral / active EE | $2,575 | $3,077-16.3% | $4,626-44.3% | $4,028-36.1% |
| Admin fee / account holder | $608 | $4,902-87.6% | $7,340-91.7% | $5,404-88.7% |