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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 | $96,637 | $62,583+54.4% | $76,767+25.9% | $64,173+50.6% |
| Participation rate | 60.0% | 72.8%-12.8pp | 77.0%-17.0pp | 69.6%-9.6pp |
| Annual return | -4.53% | -1.95%-2.6pp | 2.43%-7.0pp | 7.63%-12.2pp |
| Employer contribution / active EE | $2,122 | $1,832+15.8% | $2,485-14.6% | $2,381-10.9% |
| Participant deferral / active EE | $4,815 | $3,145+53.1% | $3,852+25.0% | $3,470+38.8% |
| Admin fee / account holder | $3,406 | $4,667-27.0% | $6,675-49.0% | $4,887-30.3% |