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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 | $55,022 | $64,719-15.0% | $112,249-51.0% | $68,486-19.7% |
| Participation rate | 53.8% | 67.2%-13.3pp | 75.1%-21.2pp | 67.9%-14.0pp |
| Annual return | -19.23% | -11.40%-7.8pp | 27.48%-46.7pp | -7.85%-11.4pp |
| Employer contribution / active EE | $1,385 | $2,747-49.6% | $3,636-61.9% | $2,597-46.6% |
| Participant deferral / active EE | $3,692 | $3,565+3.6% | $4,729-21.9% | $4,028-8.3% |
| Admin fee / account holder | $659 | $5,232-87.4% | $6,412-89.7% | $5,404-87.8% |