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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 | $40,950 | $64,729-36.7% | $112,263-63.5% | $68,490-40.2% |
| Participation rate | 64.7% | 67.2%-2.4pp | 75.1%-10.4pp | 67.9%-3.2pp |
| Annual return | -16.85% | -11.40%-5.4pp | 27.49%-44.3pp | -7.85%-9.0pp |
| Employer contribution / active EE | $3,111 | $2,746+13.3% | $3,636-14.4% | $2,597+19.8% |
| Participant deferral / active EE | $1,649 | $3,566-53.7% | $4,729-65.1% | $4,028-59.0% |
| Admin fee / account holder | $528 | $5,222-89.9% | $6,410-91.8% | $5,403-90.2% |