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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 | $60,957 | $62,583-2.6% | $76,767-20.6% | $64,173-5.0% |
| Participation rate | 50.0% | 72.8%-22.8pp | 77.0%-27.0pp | 69.6%-19.6pp |
| Annual return | -4.76% | -1.95%-2.8pp | 2.43%-7.2pp | 7.63%-12.4pp |
| Employer contribution / active EE | $1,513 | $1,832-17.4% | $2,485-39.1% | $2,381-36.5% |
| Participant deferral / active EE | $1,878 | $3,145-40.3% | $3,852-51.3% | $3,470-45.9% |
| Admin fee / account holder | $4,310 | $4,667-7.6% | $6,675-35.4% | $4,887-11.8% |