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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 | $55,191 | $50,947+8.3% | $74,549-26.0% | $64,173-14.0% |
| Participation rate | 65.9% | 61.1%+4.8pp | 69.1%-3.3pp | 69.6%-3.7pp |
| Annual return | -5.64% | -1.85%-3.8pp | 32.53%-38.2pp | 7.63%-13.3pp |
| Employer contribution / active EE | $865 | $1,115-22.4% | $1,961-55.9% | $2,381-63.7% |
| Participant deferral / active EE | $2,935 | $2,302+27.5% | $3,108-5.6% | $3,470-15.4% |
| Admin fee / account holder | $1,606 | $4,221-62.0% | $5,059-68.3% | $4,887-67.1% |