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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 | $55,814 | $71,873-22.3% | $86,698-35.6% | $68,490-18.5% |
| Participation rate | 64.0% | 72.2%-8.2pp | 76.6%-12.6pp | 67.9%-3.9pp |
| Annual return | -9.11% | 3.54%-12.6pp | 35.96%-45.1pp | -7.85%-1.3pp |
| Employer contribution / active EE | $654 | $2,173-69.9% | $2,837-76.9% | $2,597-74.8% |
| Participant deferral / active EE | $3,608 | $3,779-4.5% | $4,656-22.5% | $4,028-10.4% |
| Admin fee / account holder | $478 | $6,110-92.2% | $7,492-93.6% | $5,403-91.2% |