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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 | $44,336 | $42,548+4.2% | $74,549-40.5% | $56,287-21.2% |
| Participation rate | 62.0% | 60.5%+1.5pp | 69.1%-7.1pp | 69.9%-7.9pp |
| Annual return | -5.08% | 12.40%-17.5pp | 32.53%-37.6pp | -9.96%+4.9pp |
| Employer contribution / active EE | $1,184 | $855+38.5% | $1,961-39.6% | $2,111-43.9% |
| Participant deferral / active EE | $2,548 | $2,277+11.9% | $3,108-18.0% | $3,350-23.9% |
| Admin fee / account holder | $2,290 | $467+390.3% | $5,059-54.7% | $521+339.7% |