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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 | $25,058 | $25,979-3.5% | $71,778-65.1% | $68,490-63.4% |
| Participation rate | 60.5% | 54.5%+6.0pp | 62.3%-1.8pp | 67.9%-7.4pp |
| Annual return | -15.66% | -15.10%-0.6pp | 9.15%-24.8pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,274 | $900+41.5% | $1,704-25.2% | $2,597-50.9% |
| Participant deferral / active EE | $2,435 | $1,522+60.0% | $2,656-8.3% | $4,028-39.5% |
| Admin fee / account holder | $741 | $2,022-63.3% | $3,974-81.3% | $5,403-86.3% |