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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 | $55,397 | $52,836+4.8% | $105,738-47.6% | $64,173-13.7% |
| Participation rate | 61.7% | 66.5%-4.8pp | 76.3%-14.6pp | 69.6%-7.8pp |
| Annual return | -3.38% | 14.30%-17.7pp | 6.27%-9.6pp | 7.63%-11.0pp |
| Employer contribution / active EE | $1,687 | $1,827-7.7% | $3,268-48.4% | $2,381-29.1% |
| Participant deferral / active EE | $3,125 | $2,545+22.8% | $4,080-23.4% | $3,470-9.9% |
| Admin fee / account holder | $1,348 | $3,959-65.9% | $6,913-80.5% | $4,887-72.4% |