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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 | $68,959 | $64,719+6.6% | $112,249-38.6% | $68,486+0.7% |
| Participation rate | 55.0% | 67.2%-12.2pp | 75.1%-20.1pp | 67.9%-12.9pp |
| Annual return | -13.82% | -11.40%-2.4pp | 27.48%-41.3pp | -7.85%-6.0pp |
| Employer contribution / active EE | $766 | $2,747-72.1% | $3,636-78.9% | $2,597-70.5% |
| Participant deferral / active EE | $4,677 | $3,565+31.2% | $4,729-1.1% | $4,028+16.1% |
| Admin fee / account holder | $5,607 | $5,232+7.2% | $6,412-12.6% | $5,404+3.8% |