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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 | $52,869 | $50,947+3.8% | $74,551-29.1% | $64,173-17.6% |
| Participation rate | 48.3% | 61.1%-12.8pp | 69.1%-20.9pp | 69.6%-21.3pp |
| Annual return | -7.02% | -1.85%-5.2pp | 32.53%-39.6pp | 7.63%-14.7pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,765 | $2,302-23.3% | $3,108-43.2% | $3,470-49.1% |
| Admin fee / account holder | $5,258 | $4,221+24.6% | $5,059+3.9% | $4,887+7.6% |