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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 | $58,293 | $62,589-6.9% | $76,768-24.1% | $64,173-9.2% |
| Participation rate | 55.4% | 72.8%-17.4pp | 77.0%-21.6pp | 69.6%-14.2pp |
| Annual return | -4.79% | -1.95%-2.8pp | 2.43%-7.2pp | 7.63%-12.4pp |
| Employer contribution / active EE | $1,541 | $1,832-15.9% | $2,485-38.0% | $2,381-35.3% |
| Participant deferral / active EE | $2,610 | $3,145-17.0% | $3,852-32.2% | $3,470-24.8% |
| Admin fee / account holder | $1,042 | $4,667-77.7% | $6,675-84.4% | $4,887-78.7% |