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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 | $37,461 | $45,872-18.3% | $77,081-51.4% | $68,495-45.3% |
| Participation rate | 65.7% | 55.9%+9.8pp | 67.9%-2.2pp | 67.9%-2.2pp |
| Annual return | -17.19% | 1.73%-18.9pp | 42.33%-59.5pp | -7.84%-9.4pp |
| Employer contribution / active EE | $1,464 | $1,650-11.2% | $2,813-48.0% | $2,596-43.6% |
| Participant deferral / active EE | $3,923 | $2,963+32.4% | $4,428-11.4% | $4,028-2.6% |
| Admin fee / account holder | $973 | $3,041-68.0% | $5,427-82.1% | $5,403-82.0% |