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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 | $72,165 | $71,873+0.4% | $86,698-16.8% | $68,490+5.4% |
| Participation rate | 60.6% | 72.2%-11.7pp | 76.6%-16.0pp | 67.9%-7.3pp |
| Annual return | -18.05% | 3.54%-21.6pp | 35.96%-54.0pp | -7.85%-10.2pp |
| Employer contribution / active EE | $1,429 | $2,173-34.3% | $2,837-49.6% | $2,597-45.0% |
| Participant deferral / active EE | $2,760 | $3,779-27.0% | $4,656-40.7% | $4,028-31.5% |
| Admin fee / account holder | $479 | $6,110-92.2% | $7,492-93.6% | $5,403-91.1% |