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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 | $53,967 | $77,817-30.6% | $123,553-56.3% | $64,173-15.9% |
| Participation rate | 66.7% | 74.7%-8.0pp | 82.3%-15.6pp | 69.6%-2.9pp |
| Annual return | -7.22% | 12.49%-19.7pp | 119.21%-126.4pp | 7.63%-14.9pp |
| Employer contribution / active EE | $2,316 | $3,014-23.2% | $4,628-50.0% | $2,381-2.7% |
| Participant deferral / active EE | $6,411 | $5,240+22.3% | $6,426-0.2% | $3,470+84.8% |
| Admin fee / account holder | $4,567 | $5,519-17.3% | $9,284-50.8% | $4,887-6.6% |