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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 | $69,905 | $77,816-10.2% | $123,552-43.4% | $64,173+8.9% |
| Participation rate | 59.3% | 74.7%-15.5pp | 82.3%-23.0pp | 69.6%-10.3pp |
| Annual return | -0.91% | 12.49%-13.4pp | 119.20%-120.1pp | 7.63%-8.5pp |
| Employer contribution / active EE | $2,440 | $3,014-19.1% | $4,628-47.3% | $2,381+2.5% |
| Participant deferral / active EE | $4,401 | $5,240-16.0% | $6,426-31.5% | $3,470+26.9% |
| Admin fee / account holder | $412 | $5,519-92.5% | $9,285-95.6% | $4,887-91.6% |