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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 | $55,169 | $64,729-14.8% | $112,263-50.9% | $68,490-19.4% |
| Participation rate | 45.1% | 67.2%-22.1pp | 75.1%-30.0pp | 67.9%-22.8pp |
| Annual return | -16.99% | -11.40%-5.6pp | 27.49%-44.5pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,830 | $2,746-33.4% | $3,636-49.7% | $2,597-29.5% |
| Participant deferral / active EE | $4,632 | $3,566+29.9% | $4,729-2.1% | $4,028+15.0% |
| Admin fee / account holder | $1,435 | $5,222-72.5% | $6,410-77.6% | $5,403-73.4% |