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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 | $91,298 | $71,878+27.0% | $86,698+5.3% | $68,486+33.3% |
| Participation rate | 44.4% | 72.2%-27.8pp | 76.6%-32.1pp | 67.9%-23.4pp |
| Annual return | -6.71% | 3.53%-10.2pp | 35.95%-42.7pp | -7.85%+1.1pp |
| Employer contribution / active EE | $1,324 | $2,173-39.1% | $2,837-53.3% | $2,597-49.0% |
| Participant deferral / active EE | $2,415 | $3,779-36.1% | $4,656-48.1% | $4,028-40.0% |
| Admin fee / account holder | $3,106 | $6,113-49.2% | $7,493-58.5% | $5,404-42.5% |