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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 | $59,776 | $81,870-27.0% | $119,622-50.0% | $68,486-12.7% |
| Participation rate | 61.4% | 71.9%-10.5pp | 79.3%-17.9pp | 67.9%-6.5pp |
| Annual return | -11.48% | -23.82%+12.3pp | -14.98%+3.5pp | -7.85%-3.6pp |
| Employer contribution / active EE | $1,898 | $2,692-29.5% | $4,232-55.2% | $2,597-26.9% |
| Participant deferral / active EE | $4,973 | $4,148+19.9% | $5,601-11.2% | $4,028+23.5% |
| Admin fee / account holder | $1,226 | $6,583-81.4% | $10,328-88.1% | $5,404-77.3% |