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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 | $27,326 | $50,464-45.9% | $75,784-63.9% | $52,331-47.8% |
| Participation rate | 68.7% | 66.8%+1.9pp | 75.8%-7.1pp | 68.1%+0.6pp |
| Annual return | -0.61% | 1.03%-1.6pp | 9.68%-10.3pp | 4.54%-5.2pp |
| Employer contribution / active EE | $1,211 | $1,988-39.1% | $3,323-63.6% | $1,882-35.7% |
| Participant deferral / active EE | $3,492 | $2,570+35.9% | $3,652-4.4% | $3,022+15.6% |
| Admin fee / account holder | $1,418 | $1,103+28.5% | $5,300-73.3% | $592+139.6% |