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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 | $50,642 | $53,596-5.5% | $90,657-44.1% | $64,173-21.1% |
| Participation rate | 69.2% | 64.5%+4.7pp | 74.0%-4.8pp | 69.6%-0.3pp |
| Annual return | -6.88% | 4.41%-11.3pp | 1.89%-8.8pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,060 | $1,503-29.5% | $2,532-58.1% | $2,381-55.5% |
| Participant deferral / active EE | $2,020 | $2,459-17.8% | $3,424-41.0% | $3,470-41.8% |
| Admin fee / account holder | $6,793 | $3,868+75.6% | $4,994+36.0% | $4,887+39.0% |