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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 | $73,954 | $73,019+1.3% | $90,766-18.5% | $68,490+8.0% |
| Participation rate | 64.2% | 70.8%-6.7pp | 75.7%-11.5pp | 67.9%-3.7pp |
| Annual return | -17.35% | -13.81%-3.5pp | -12.16%-5.2pp | -7.85%-9.5pp |
| Employer contribution / active EE | $1,451 | $2,193-33.8% | $2,922-50.3% | $2,597-44.1% |
| Participant deferral / active EE | $3,044 | $3,626-16.1% | $4,565-33.3% | $4,028-24.4% |
| Admin fee / account holder | $2,815 | $5,897-52.3% | $8,446-66.7% | $5,403-47.9% |