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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 | $49,142 | $50,947-3.5% | $74,549-34.1% | $64,173-23.4% |
| Participation rate | 43.7% | 61.1%-17.4pp | 69.1%-25.5pp | 69.6%-25.9pp |
| Annual return | -2.08% | -1.85%-0.2pp | 32.53%-34.6pp | 7.63%-9.7pp |
| Employer contribution / active EE | $1,393 | $1,115+24.9% | $1,961-29.0% | $2,381-41.5% |
| Participant deferral / active EE | $3,831 | $2,302+66.5% | $3,108+23.3% | $3,470+10.4% |
| Admin fee / account holder | $9,619 | $4,221+127.9% | $5,059+90.1% | $4,887+96.8% |