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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 | $42,316 | $64,719-34.6% | $112,249-62.3% | $68,486-38.2% |
| Participation rate | 58.3% | 67.2%-8.8pp | 75.1%-16.7pp | 67.9%-9.6pp |
| Annual return | -17.50% | -11.40%-6.1pp | 27.48%-45.0pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,978 | $2,747-28.0% | $3,636-45.6% | $2,597-23.8% |
| Participant deferral / active EE | $4,085 | $3,565+14.6% | $4,729-13.6% | $4,028+1.4% |
| Admin fee / account holder | $2,109 | $5,232-59.7% | $6,412-67.1% | $5,404-61.0% |