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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 | $22,846 | $42,548-46.3% | $74,551-69.4% | $56,289-59.4% |
| Participation rate | 63.1% | 60.5%+2.6pp | 69.1%-6.0pp | 69.9%-6.7pp |
| Annual return | -3.75% | 12.40%-16.2pp | 32.53%-36.3pp | -9.96%+6.2pp |
| Employer contribution / active EE | $1,955 | $855+128.6% | $1,961-0.3% | $2,111-7.4% |
| Participant deferral / active EE | $1,236 | $2,277-45.7% | $3,108-60.2% | $3,350-63.1% |
| Admin fee / account holder | $525 | $467+12.4% | $5,059-89.6% | $521+0.8% |