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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 | $32,265 | $50,947-36.7% | $74,549-56.7% | $64,173-49.7% |
| Participation rate | 64.0% | 61.1%+2.9pp | 69.1%-5.1pp | 69.6%-5.6pp |
| Annual return | -7.31% | -1.85%-5.5pp | 32.53%-39.8pp | 7.63%-14.9pp |
| Employer contribution / active EE | $1,173 | $1,115+5.2% | $1,961-40.2% | $2,381-50.7% |
| Participant deferral / active EE | $1,791 | $2,302-22.2% | $3,108-42.4% | $3,470-48.4% |
| Admin fee / account holder | $559 | $4,221-86.7% | $5,059-88.9% | $4,887-88.6% |