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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 | $82,650 | $48,267+71.2% | $68,808+20.1% | $68,486+20.7% |
| Participation rate | 45.5% | 60.7%-15.2pp | 69.0%-23.6pp | 67.9%-22.4pp |
| Annual return | -17.90% | -12.70%-5.2pp | -6.37%-11.5pp | -7.85%-10.0pp |
| Employer contribution / active EE | $697 | $1,829-61.9% | $2,656-73.8% | $2,597-73.2% |
| Participant deferral / active EE | $3,875 | $2,867+35.2% | $3,942-1.7% | $4,028-3.8% |
| Admin fee / account holder | $818 | $4,362-81.2% | $4,936-83.4% | $5,404-84.9% |