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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 | $43,721 | $71,873-39.2% | $86,698-49.6% | $68,490-36.2% |
| Participation rate | 65.8% | 72.2%-6.5pp | 76.6%-10.8pp | 67.9%-2.1pp |
| Annual return | -16.52% | 3.54%-20.1pp | 35.96%-52.5pp | -7.85%-8.7pp |
| Employer contribution / active EE | $2,679 | $2,173+23.2% | $2,837-5.6% | $2,597+3.2% |
| Participant deferral / active EE | $5,493 | $3,779+45.4% | $4,656+18.0% | $4,028+36.4% |
| Admin fee / account holder | $4,403 | $6,110-28.0% | $7,492-41.2% | $5,403-18.5% |