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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 | $78,901 | $73,839+6.9% | $143,788-45.1% | $68,495+15.2% |
| Participation rate | 53.8% | 66.7%-12.8pp | 80.3%-26.5pp | 67.9%-14.0pp |
| Annual return | -10.09% | 1.01%-11.1pp | -0.03%-10.1pp | -7.84%-2.2pp |
| Employer contribution / active EE | $832 | $3,184-73.9% | $4,952-83.2% | $2,596-68.0% |
| Participant deferral / active EE | $4,395 | $3,384+29.9% | $5,638-22.1% | $4,028+9.1% |
| Admin fee / account holder | $1,773 | $5,755-69.2% | $14,675-87.9% | $5,403-67.2% |