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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 | $89,396 | $77,816+14.9% | $123,552-27.6% | $64,173+39.3% |
| Participation rate | 49.3% | 74.7%-25.4pp | 82.3%-33.0pp | 69.6%-20.3pp |
| Annual return | -4.35% | 12.49%-16.8pp | 119.20%-123.5pp | 7.63%-12.0pp |
| Employer contribution / active EE | $1,209 | $3,014-59.9% | $4,628-73.9% | $2,381-49.2% |
| Participant deferral / active EE | $2,677 | $5,240-48.9% | $6,426-58.3% | $3,470-22.9% |
| Admin fee / account holder | $1,517 | $5,519-72.5% | $9,285-83.7% | $4,887-69.0% |