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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 | $75,061 | $77,817-3.5% | $123,553-39.2% | $64,173+17.0% |
| Participation rate | 56.3% | 74.7%-18.5pp | 82.3%-26.0pp | 69.6%-13.3pp |
| Annual return | -7.55% | 12.49%-20.0pp | 119.21%-126.8pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,208 | $3,014-59.9% | $4,628-73.9% | $2,381-49.3% |
| Participant deferral / active EE | $2,607 | $5,240-50.2% | $6,426-59.4% | $3,470-24.9% |
| Admin fee / account holder | $3,033 | $5,519-45.0% | $9,284-67.3% | $4,887-37.9% |