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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 | $64,830 | $72,177-10.2% | $115,038-43.6% | $59,633+8.7% |
| Participation rate | 57.6% | 72.6%-14.9pp | 81.4%-23.7pp | 68.7%-11.0pp |
| Annual return | -2.33% | 12.02%-14.4pp | 26.14%-28.5pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $1,438 | $2,841-49.4% | $4,608-68.8% | $2,203-34.7% |
| Participant deferral / active EE | $6,010 | $4,783+25.7% | $6,026-0.3% | $3,192+88.3% |
| Admin fee / account holder | $8,038 | $4,927+63.1% | $8,175-1.7% | $4,297+87.1% |