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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 | $67,258 | $50,947+32.0% | $74,551-9.8% | $64,173+4.8% |
| Participation rate | 58.5% | 61.1%-2.5pp | 69.1%-10.6pp | 69.6%-11.0pp |
| Annual return | -6.38% | -1.85%-4.5pp | 32.53%-38.9pp | 7.63%-14.0pp |
| Employer contribution / active EE | $762 | $1,115-31.7% | $1,961-61.1% | $2,381-68.0% |
| Participant deferral / active EE | $2,230 | $2,302-3.1% | $3,108-28.3% | $3,470-35.7% |
| Admin fee / account holder | $1,991 | $4,221-52.8% | $5,059-60.7% | $4,887-59.3% |