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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 | $62,840 | $50,947+23.3% | $74,551-15.7% | $64,173-2.1% |
| Participation rate | 40.5% | 61.1%-20.6pp | 69.1%-28.7pp | 69.6%-29.1pp |
| Annual return | -0.31% | -1.85%+1.5pp | 32.53%-32.8pp | 7.63%-7.9pp |
| Employer contribution / active EE | $398 | $1,115-64.3% | $1,961-79.7% | $2,381-83.3% |
| Participant deferral / active EE | $1,336 | $2,302-42.0% | $3,108-57.0% | $3,470-61.5% |
| Admin fee / account holder | $16,934 | $4,221+301.2% | $5,059+234.7% | $4,887+246.5% |