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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 | $39,876 | $53,162-25.0% | $91,225-56.3% | $68,495-41.8% |
| Participation rate | 64.7% | 63.2%+1.5pp | 73.2%-8.5pp | 67.9%-3.2pp |
| Annual return | -17.23% | -3.14%-14.1pp | 114.10%-131.3pp | -7.84%-9.4pp |
| Employer contribution / active EE | $1,886 | $1,709+10.3% | $2,851-33.8% | $2,596-27.4% |
| Participant deferral / active EE | $3,545 | $2,974+19.2% | $4,234-16.3% | $4,028-12.0% |
| Admin fee / account holder | $5,581 | $4,493+24.2% | $5,422+2.9% | $5,403+3.3% |