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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 | $54,979 | $46,697+17.7% | $117,533-53.2% | $68,486-19.7% |
| Participation rate | 61.5% | 56.8%+4.8pp | 70.6%-9.1pp | 67.9%-6.4pp |
| Annual return | -18.79% | -14.52%-4.3pp | 29.77%-48.6pp | -7.85%-10.9pp |
| Employer contribution / active EE | $1,407 | $1,506-6.6% | $4,179-66.3% | $2,597-45.8% |
| Participant deferral / active EE | $3,311 | $2,637+25.5% | $4,072-18.7% | $4,028-17.8% |
| Admin fee / account holder | $10,941 | $4,023+172.0% | $5,647+93.7% | $5,404+102.5% |