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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 | $64,860 | $77,817-16.7% | $123,553-47.5% | $64,173+1.1% |
| Participation rate | 55.6% | 74.7%-19.2pp | 82.3%-26.7pp | 69.6%-14.0pp |
| Annual return | -7.45% | 12.49%-19.9pp | 119.21%-126.7pp | 7.63%-15.1pp |
| Employer contribution / active EE | $2,412 | $3,014-20.0% | $4,628-47.9% | $2,381+1.3% |
| Participant deferral / active EE | $4,549 | $5,240-13.2% | $6,426-29.2% | $3,470+31.1% |
| Admin fee / account holder | $2,896 | $5,519-47.5% | $9,284-68.8% | $4,887-40.7% |