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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 | $43,548 | $59,191-26.4% | $76,767-43.3% | $56,289-22.6% |
| Participation rate | 58.0% | 75.2%-17.2pp | 77.0%-19.0pp | 69.9%-11.9pp |
| Annual return | -5.14% | 6.62%-11.8pp | 2.43%-7.6pp | -9.96%+4.8pp |
| Employer contribution / active EE | $1,436 | $1,759-18.3% | $2,485-42.2% | $2,111-32.0% |
| Participant deferral / active EE | $4,582 | $3,255+40.8% | $3,852+19.0% | $3,350+36.8% |
| Admin fee / account holder | $1,120 | $489+129.0% | $6,675-83.2% | $521+115.0% |