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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 | $64,468 | $50,947+26.5% | $74,551-13.5% | $64,173+0.5% |
| Participation rate | 46.7% | 61.1%-14.4pp | 69.1%-22.5pp | 69.6%-22.9pp |
| Annual return | -5.24% | -1.85%-3.4pp | 32.53%-37.8pp | 7.63%-12.9pp |
| Employer contribution / active EE | $1,602 | $1,115+43.6% | $1,961-18.3% | $2,381-32.7% |
| Participant deferral / active EE | $2,838 | $2,302+23.3% | $3,108-8.7% | $3,470-18.2% |
| Admin fee / account holder | $5,451 | $4,221+29.1% | $5,059+7.7% | $4,887+11.5% |