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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 | $47,039 | $50,947-7.7% | $74,549-36.9% | $64,173-26.7% |
| Participation rate | 60.5% | 61.1%-0.6pp | 69.1%-8.7pp | 69.6%-9.1pp |
| Annual return | -5.67% | -1.85%-3.8pp | 32.53%-38.2pp | 7.63%-13.3pp |
| Employer contribution / active EE | $1,211 | $1,115+8.6% | $1,961-38.2% | $2,381-49.1% |
| Participant deferral / active EE | $2,237 | $2,302-2.8% | $3,108-28.0% | $3,470-35.5% |
| Admin fee / account holder | $489 | $4,221-88.4% | $5,059-90.3% | $4,887-90.0% |