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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 | $38,997 | $48,267-19.2% | $68,808-43.3% | $68,486-43.1% |
| Participation rate | 64.0% | 60.7%+3.3pp | 69.0%-5.0pp | 67.9%-3.9pp |
| Annual return | -8.99% | -12.70%+3.7pp | -6.37%-2.6pp | -7.85%-1.1pp |
| Employer contribution / active EE | $2,036 | $1,829+11.3% | $2,656-23.3% | $2,597-21.6% |
| Participant deferral / active EE | $2,389 | $2,867-16.7% | $3,942-39.4% | $4,028-40.7% |
| Admin fee / account holder | $8,192 | $4,362+87.8% | $4,936+66.0% | $5,404+51.6% |