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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 | $48,228 | $67,411-28.5% | $91,004-47.0% | $70,126-31.2% |
| Participation rate | 64.6% | 71.4%-6.7pp | 75.6%-11.0pp | 69.5%-4.9pp |
| Annual return | 16.53% | -40.16%+56.7pp | 4.60%+11.9pp | 73.15%-56.6pp |
| Employer contribution / active EE | $1,363 | $1,786-23.7% | $2,456-44.5% | $2,343-41.8% |
| Participant deferral / active EE | $2,700 | $2,823-4.3% | $3,548-23.9% | $3,332-19.0% |
| Admin fee / account holder | $2,803 | $4,236-33.8% | $5,417-48.3% | $4,645-39.7% |