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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 | $78,612 | $71,878+9.4% | $86,698-9.3% | $68,486+14.8% |
| Participation rate | 57.6% | 72.2%-14.6pp | 76.6%-19.0pp | 67.9%-10.3pp |
| Annual return | -18.24% | 3.53%-21.8pp | 35.95%-54.2pp | -7.85%-10.4pp |
| Employer contribution / active EE | $1,058 | $2,173-51.3% | $2,837-62.7% | $2,597-59.3% |
| Participant deferral / active EE | $3,497 | $3,779-7.4% | $4,656-24.9% | $4,028-13.2% |
| Admin fee / account holder | $3,147 | $6,113-48.5% | $7,493-58.0% | $5,404-41.8% |