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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 | $70,148 | $56,484+24.2% | $169,452-58.6% | $64,173+9.3% |
| Participation rate | 36.0% | 64.5%-28.5pp | 77.8%-41.8pp | 69.6%-33.6pp |
| Annual return | -5.15% | -1.55%-3.6pp | 1.83%-7.0pp | 7.63%-12.8pp |
| Employer contribution / active EE | $739 | $1,832-59.7% | $4,157-82.2% | $2,381-69.0% |
| Participant deferral / active EE | $2,343 | $3,448-32.0% | $5,277-55.6% | $3,470-32.5% |
| Admin fee / account holder | $2,785 | $4,174-33.3% | $9,110-69.4% | $4,887-43.0% |