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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 | $77,957 | $56,484+38.0% | $169,452-54.0% | $64,173+21.5% |
| Participation rate | 58.3% | 64.5%-6.2pp | 77.8%-19.4pp | 69.6%-11.2pp |
| Annual return | -7.60% | -1.55%-6.0pp | 1.83%-9.4pp | 7.63%-15.2pp |
| Employer contribution / active EE | $368 | $1,832-79.9% | $4,157-91.1% | $2,381-84.5% |
| Participant deferral / active EE | $1,477 | $3,448-57.2% | $5,277-72.0% | $3,470-57.4% |
| Admin fee / account holder | $1,354 | $4,174-67.6% | $9,110-85.1% | $4,887-72.3% |