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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 | $77,436 | $81,870-5.4% | $119,634-35.3% | $68,490+13.1% |
| Participation rate | 48.6% | 71.9%-23.3pp | 79.3%-30.7pp | 67.9%-19.3pp |
| Annual return | -16.83% | -23.82%+7.0pp | -14.98%-1.8pp | -7.85%-9.0pp |
| Employer contribution / active EE | $1,823 | $2,692-32.3% | $4,232-56.9% | $2,597-29.8% |
| Participant deferral / active EE | $2,915 | $4,148-29.7% | $5,601-48.0% | $4,028-27.6% |
| Admin fee / account holder | $2,287 | $6,583-65.3% | $10,329-77.9% | $5,403-57.7% |