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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 | $48,509 | $59,813-18.9% | $79,580-39.0% | $68,486-29.2% |
| Participation rate | 63.8% | 61.1%+2.7pp | 69.5%-5.7pp | 67.9%-4.1pp |
| Annual return | -17.52% | -12.30%-5.2pp | 0.15%-17.7pp | -7.85%-9.7pp |
| Employer contribution / active EE | $2,891 | $1,505+92.1% | $2,413+19.8% | $2,597+11.3% |
| Participant deferral / active EE | $5,330 | $3,024+76.2% | $3,985+33.7% | $4,028+32.3% |
| Admin fee / account holder | $2,305 | $4,835-52.3% | $6,835-66.3% | $5,404-57.3% |