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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 | $64,065 | $64,716-1.0% | $112,258-42.9% | $68,495-6.5% |
| Participation rate | 61.3% | 67.2%-5.9pp | 75.1%-13.8pp | 67.9%-6.6pp |
| Annual return | -15.81% | -11.40%-4.4pp | 27.47%-43.3pp | -7.84%-8.0pp |
| Employer contribution / active EE | $1,462 | $2,746-46.8% | $3,636-59.8% | $2,596-43.7% |
| Participant deferral / active EE | $2,305 | $3,565-35.3% | $4,728-51.3% | $4,028-42.8% |
| Admin fee / account holder | $5,103 | $5,232-2.5% | $6,411-20.4% | $5,403-5.6% |