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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 | $69,012 | $62,583+10.3% | $76,768-10.1% | $64,173+7.5% |
| Participation rate | 68.4% | 72.8%-4.4pp | 77.0%-8.5pp | 69.6%-1.1pp |
| Annual return | -3.88% | -1.95%-1.9pp | 2.43%-6.3pp | 7.63%-11.5pp |
| Employer contribution / active EE | $1,387 | $1,832-24.3% | $2,485-44.2% | $2,381-41.8% |
| Participant deferral / active EE | $3,614 | $3,145+14.9% | $3,852-6.2% | $3,470+4.2% |
| Admin fee / account holder | $2,321 | $4,667-50.3% | $6,676-65.2% | $4,887-52.5% |