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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 | $72,457 | $62,589+15.8% | $76,768-5.6% | $64,173+12.9% |
| Participation rate | 66.2% | 72.8%-6.6pp | 77.0%-10.7pp | 69.6%-3.3pp |
| Annual return | -4.68% | -1.95%-2.7pp | 2.43%-7.1pp | 7.63%-12.3pp |
| Employer contribution / active EE | $1,247 | $1,832-31.9% | $2,485-49.8% | $2,381-47.6% |
| Participant deferral / active EE | $3,724 | $3,145+18.4% | $3,852-3.3% | $3,470+7.3% |
| Admin fee / account holder | $14,433 | $4,667+209.2% | $6,675+116.2% | $4,887+195.3% |