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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 | $16,984 | $49,280-65.5% | $67,313-74.8% | $64,173-73.5% |
| Participation rate | 64.7% | 60.8%+3.9pp | 69.1%-4.4pp | 69.6%-4.9pp |
| Annual return | -5.06% | -1.39%-3.7pp | -4.08%-1.0pp | 7.63%-12.7pp |
| Employer contribution / active EE | $776 | $1,668-53.5% | $2,566-69.7% | $2,381-67.4% |
| Participant deferral / active EE | $2,575 | $2,484+3.6% | $3,568-27.8% | $3,470-25.8% |
| Admin fee / account holder | $1,298 | $3,863-66.4% | $4,507-71.2% | $4,887-73.4% |