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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 | $45,616 | $50,958-10.5% | $74,552-38.8% | $64,181-28.9% |
| Participation rate | 53.1% | 61.1%-7.9pp | 69.1%-16.0pp | 69.6%-16.4pp |
| Annual return | -4.36% | -1.86%-2.5pp | 32.53%-36.9pp | 7.63%-12.0pp |
| Employer contribution / active EE | $1,526 | $1,115+36.8% | $1,961-22.2% | $2,381-35.9% |
| Participant deferral / active EE | $3,653 | $2,301+58.7% | $3,108+17.5% | $3,470+5.3% |
| Admin fee / account holder | $7,553 | $4,223+78.9% | $5,060+49.3% | $4,887+54.5% |