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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 | $34,254 | $59,819-42.7% | $79,583-57.0% | $68,490-50.0% |
| Participation rate | 63.0% | 61.1%+2.0pp | 69.5%-6.4pp | 67.9%-4.9pp |
| Annual return | -18.71% | -12.30%-6.4pp | 0.16%-18.9pp | -7.85%-10.9pp |
| Employer contribution / active EE | $2,871 | $1,505+90.7% | $2,414+19.0% | $2,597+10.6% |
| Participant deferral / active EE | $5,339 | $3,025+76.5% | $3,986+33.9% | $4,028+32.5% |
| Admin fee / account holder | $1,881 | $4,835-61.1% | $6,835-72.5% | $5,403-65.2% |