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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 | $69,274 | $64,716+7.0% | $112,258-38.3% | $68,495+1.1% |
| Participation rate | 28.6% | 67.2%-38.6pp | 75.1%-46.5pp | 67.9%-39.3pp |
| Annual return | -14.52% | -11.40%-3.1pp | 27.47%-42.0pp | -7.84%-6.7pp |
| Employer contribution / active EE | $1,274 | $2,746-53.6% | $3,636-64.9% | $2,596-50.9% |
| Participant deferral / active EE | $2,596 | $3,565-27.2% | $4,728-45.1% | $4,028-35.5% |
| Admin fee / account holder | $5,019 | $5,232-4.1% | $6,411-21.7% | $5,403-7.1% |