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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 | $48,434 | $44,714+8.3% | $91,225-46.9% | $66,938-27.6% |
| Participation rate | 68.8% | 65.0%+3.7pp | 73.2%-4.4pp | 69.8%-1.1pp |
| Annual return | -15.13% | -12.25%-2.9pp | 114.12%-129.3pp | 1.58%-16.7pp |
| Employer contribution / active EE | $1,839 | $1,710+7.5% | $2,851-35.5% | $2,545-27.8% |
| Participant deferral / active EE | $2,972 | $3,355-11.4% | $4,233-29.8% | $4,238-29.9% |
| Admin fee / account holder | $2,246 | $521+330.9% | $5,422-58.6% | $594+278.4% |