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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 | $57,438 | $53,596+7.2% | $90,657-36.6% | $64,173-10.5% |
| Participation rate | 59.0% | 64.5%-5.5pp | 74.0%-15.1pp | 69.6%-10.6pp |
| Annual return | -7.65% | 4.41%-12.1pp | 1.89%-9.5pp | 7.63%-15.3pp |
| Employer contribution / active EE | $518 | $1,503-65.5% | $2,532-79.5% | $2,381-78.2% |
| Participant deferral / active EE | $2,913 | $2,459+18.5% | $3,424-14.9% | $3,470-16.0% |
| Admin fee / account holder | $4,792 | $3,868+23.9% | $4,994-4.1% | $4,887-2.0% |