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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 | $43,579 | $45,872-5.0% | $77,096-43.5% | $68,486-36.4% |
| Participation rate | 39.3% | 55.9%-16.6pp | 67.9%-28.6pp | 67.9%-28.6pp |
| Annual return | -16.22% | 1.73%-17.9pp | 42.35%-58.6pp | -7.85%-8.4pp |
| Employer contribution / active EE | $2,427 | $1,650+47.1% | $2,814-13.8% | $2,597-6.5% |
| Participant deferral / active EE | $5,062 | $2,963+70.9% | $4,429+14.3% | $4,028+25.7% |
| Admin fee / account holder | $2,254 | $3,041-25.9% | $5,428-58.5% | $5,404-58.3% |