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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 | $78,430 | $77,817+0.8% | $123,553-36.5% | $64,173+22.2% |
| Participation rate | 54.7% | 74.7%-20.0pp | 82.3%-27.6pp | 69.6%-14.9pp |
| Annual return | -6.88% | 12.49%-19.4pp | 119.21%-126.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $2,004 | $3,014-33.5% | $4,628-56.7% | $2,381-15.8% |
| Participant deferral / active EE | $4,577 | $5,240-12.6% | $6,426-28.8% | $3,470+31.9% |
| Admin fee / account holder | $1,366 | $5,519-75.3% | $9,284-85.3% | $4,887-72.1% |