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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 | $53,174 | $59,813-11.1% | $79,580-33.2% | $68,486-22.4% |
| Participation rate | 49.2% | 61.1%-11.8pp | 69.5%-20.3pp | 67.9%-18.7pp |
| Annual return | -17.12% | -12.30%-4.8pp | 0.15%-17.3pp | -7.85%-9.3pp |
| Employer contribution / active EE | $1,303 | $1,505-13.4% | $2,413-46.0% | $2,597-49.8% |
| Participant deferral / active EE | $2,066 | $3,024-31.7% | $3,985-48.2% | $4,028-48.7% |
| Admin fee / account holder | $5,561 | $4,835+15.0% | $6,835-18.6% | $5,404+2.9% |