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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 | $75,052 | $64,729+15.9% | $112,263-33.1% | $68,490+9.6% |
| Participation rate | 68.0% | 67.2%+0.8pp | 75.1%-7.1pp | 67.9%+0.1pp |
| Annual return | -14.30% | -11.40%-2.9pp | 27.49%-41.8pp | -7.85%-6.5pp |
| Employer contribution / active EE | $1,637 | $2,746-40.4% | $3,636-55.0% | $2,597-36.9% |
| Participant deferral / active EE | $3,074 | $3,566-13.8% | $4,729-35.0% | $4,028-23.7% |
| Admin fee / account holder | $941 | $5,222-82.0% | $6,410-85.3% | $5,403-82.6% |