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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 | $63,410 | $61,660+2.8% | $80,022-20.8% | $64,173-1.2% |
| Participation rate | 55.6% | 71.7%-16.1pp | 75.8%-20.3pp | 69.6%-14.0pp |
| Annual return | -5.31% | -0.33%-5.0pp | 11.22%-16.5pp | 7.63%-12.9pp |
| Employer contribution / active EE | $1,209 | $1,810-33.2% | $2,468-51.0% | $2,381-49.2% |
| Participant deferral / active EE | $3,012 | $2,968+1.5% | $3,686-18.3% | $3,470-13.2% |
| Admin fee / account holder | $2,807 | $5,417-48.2% | $6,521-56.9% | $4,887-42.6% |