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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 | $41,209 | $71,878-42.7% | $86,698-52.5% | $68,486-39.8% |
| Participation rate | 64.7% | 72.2%-7.5pp | 76.6%-11.9pp | 67.9%-3.2pp |
| Annual return | -17.29% | 3.53%-20.8pp | 35.95%-53.2pp | -7.85%-9.4pp |
| Employer contribution / active EE | $2,103 | $2,173-3.2% | $2,837-25.9% | $2,597-19.0% |
| Participant deferral / active EE | $4,207 | $3,779+11.3% | $4,656-9.6% | $4,028+4.5% |
| Admin fee / account holder | $8,161 | $6,113+33.5% | $7,493+8.9% | $5,404+51.0% |