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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 | $69,030 | $71,878-4.0% | $86,698-20.4% | $68,486+0.8% |
| Participation rate | 60.0% | 72.2%-12.2pp | 76.6%-16.6pp | 67.9%-7.9pp |
| Annual return | -16.41% | 3.53%-19.9pp | 35.95%-52.4pp | -7.85%-8.6pp |
| Employer contribution / active EE | $1,837 | $2,173-15.5% | $2,837-35.2% | $2,597-29.2% |
| Participant deferral / active EE | $3,367 | $3,779-10.9% | $4,656-27.7% | $4,028-16.4% |
| Admin fee / account holder | $3,010 | $6,113-50.8% | $7,493-59.8% | $5,404-44.3% |