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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 | $127,387 | $61,660+106.6% | $80,022+59.2% | $64,173+98.5% |
| Participation rate | 46.8% | 71.7%-24.9pp | 75.8%-29.1pp | 69.6%-22.8pp |
| Annual return | -6.10% | -0.33%-5.8pp | 11.22%-17.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $394 | $1,810-78.2% | $2,468-84.0% | $2,381-83.4% |
| Participant deferral / active EE | $2,109 | $2,968-28.9% | $3,686-42.8% | $3,470-39.2% |
| Admin fee / account holder | $3,026 | $5,417-44.1% | $6,521-53.6% | $4,887-38.1% |