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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 | $20,784 | $64,729-67.9% | $112,263-81.5% | $68,490-69.7% |
| Participation rate | 54.1% | 67.2%-13.1pp | 75.1%-21.0pp | 67.9%-13.8pp |
| Annual return | -19.04% | -11.40%-7.6pp | 27.49%-46.5pp | -7.85%-11.2pp |
| Employer contribution / active EE | $2,668 | $2,746-2.8% | $3,636-26.6% | $2,597+2.7% |
| Participant deferral / active EE | $4,774 | $3,566+33.9% | $4,729+0.9% | $4,028+18.5% |
| Admin fee / account holder | $1,297 | $5,222-75.2% | $6,410-79.8% | $5,403-76.0% |