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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 | $73,058 | $50,947+43.4% | $74,549-2.0% | $64,173+13.8% |
| Participation rate | 53.6% | 61.1%-7.5pp | 69.1%-15.6pp | 69.6%-16.0pp |
| Annual return | -5.83% | -1.85%-4.0pp | 32.53%-38.4pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,082 | $1,115-3.0% | $1,961-44.8% | $2,381-54.6% |
| Participant deferral / active EE | $4,374 | $2,302+90.0% | $3,108+40.7% | $3,470+26.1% |
| Admin fee / account holder | $2,526 | $4,221-40.2% | $5,059-50.1% | $4,887-48.3% |