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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 | $24,214 | $62,583-61.3% | $76,767-68.5% | $64,173-62.3% |
| Participation rate | 69.9% | 72.8%-2.9pp | 77.0%-7.1pp | 69.6%+0.3pp |
| Annual return | -5.56% | -1.95%-3.6pp | 2.43%-8.0pp | 7.63%-13.2pp |
| Employer contribution / active EE | $1,308 | $1,832-28.6% | $2,485-47.4% | $2,381-45.1% |
| Participant deferral / active EE | $1,999 | $3,145-36.4% | $3,852-48.1% | $3,470-42.4% |
| Admin fee / account holder | $514 | $4,667-89.0% | $6,675-92.3% | $4,887-89.5% |