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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 | $76,706 | $81,870-6.3% | $119,622-35.9% | $68,486+12.0% |
| Participation rate | 52.4% | 71.9%-19.5pp | 79.3%-26.9pp | 67.9%-15.5pp |
| Annual return | -15.09% | -23.82%+8.7pp | -14.98%-0.1pp | -7.85%-7.2pp |
| Employer contribution / active EE | $1,120 | $2,692-58.4% | $4,232-73.5% | $2,597-56.9% |
| Participant deferral / active EE | $1,907 | $4,148-54.0% | $5,601-66.0% | $4,028-52.7% |
| Admin fee / account holder | $4,583 | $6,583-30.4% | $10,328-55.6% | $5,404-15.2% |