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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 | $71,701 | $64,176+11.7% | $112,249-36.1% | $66,938+7.1% |
| Participation rate | 28.5% | 68.4%-40.0pp | 75.1%-46.6pp | 69.8%-41.3pp |
| Annual return | -16.54% | -13.80%-2.7pp | 27.48%-44.0pp | 1.58%-18.1pp |
| Employer contribution / active EE | $1,050 | $3,007-65.1% | $3,636-71.1% | $2,545-58.7% |
| Participant deferral / active EE | $1,680 | $3,694-54.5% | $4,729-64.5% | $4,238-60.4% |
| Admin fee / account holder | $578 | $626-7.6% | $6,412-91.0% | $594-2.6% |