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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 | $59,087 | $48,267+22.4% | $68,808-14.1% | $68,486-13.7% |
| Participation rate | 47.8% | 60.7%-12.9pp | 69.0%-21.3pp | 67.9%-20.1pp |
| Annual return | -18.54% | -12.70%-5.8pp | -6.37%-12.2pp | -7.85%-10.7pp |
| Employer contribution / active EE | $1,728 | $1,829-5.5% | $2,656-34.9% | $2,597-33.4% |
| Participant deferral / active EE | $1,978 | $2,867-31.0% | $3,942-49.8% | $4,028-50.9% |
| Admin fee / account holder | $2,044 | $4,362-53.1% | $4,936-58.6% | $5,404-62.2% |