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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 | $83,218 | $48,235+72.5% | $68,803+21.0% | $68,490+21.5% |
| Participation rate | 44.0% | 60.7%-16.7pp | 69.0%-25.0pp | 67.9%-23.9pp |
| Annual return | -16.98% | -12.70%-4.3pp | -6.37%-10.6pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,187 | $1,829-35.1% | $2,656-55.3% | $2,597-54.3% |
| Participant deferral / active EE | $2,494 | $2,867-13.0% | $3,942-36.7% | $4,028-38.1% |
| Admin fee / account holder | $575 | $4,361-86.8% | $4,936-88.3% | $5,403-89.4% |