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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 | $47,988 | $50,947-5.8% | $74,551-35.6% | $64,173-25.2% |
| Participation rate | 43.3% | 61.1%-17.8pp | 69.1%-25.9pp | 69.6%-26.3pp |
| Annual return | -4.52% | -1.85%-2.7pp | 32.53%-37.1pp | 7.63%-12.2pp |
| Employer contribution / active EE | $747 | $1,115-33.0% | $1,961-61.9% | $2,381-68.6% |
| Participant deferral / active EE | $1,176 | $2,302-48.9% | $3,108-62.2% | $3,470-66.1% |
| Admin fee / account holder | $5,596 | $4,221+32.6% | $5,059+10.6% | $4,887+14.5% |