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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 | $79,195 | $64,716+22.4% | $112,258-29.5% | $68,495+15.6% |
| Participation rate | 56.7% | 67.2%-10.5pp | 75.1%-18.4pp | 67.9%-11.2pp |
| Annual return | -11.80% | -11.40%-0.4pp | 27.47%-39.3pp | -7.84%-4.0pp |
| Employer contribution / active EE | $1,205 | $2,746-56.1% | $3,636-66.9% | $2,596-53.6% |
| Participant deferral / active EE | $3,041 | $3,565-14.7% | $4,728-35.7% | $4,028-24.5% |
| Admin fee / account holder | $7,713 | $5,232+47.4% | $6,411+20.3% | $5,403+42.7% |