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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 | $51,146 | $42,383+20.7% | $76,518-33.2% | $64,173-20.3% |
| Participation rate | 63.6% | 58.1%+5.5pp | 68.0%-4.4pp | 69.6%-5.9pp |
| Annual return | -8.58% | -16.54%+8.0pp | -0.27%-8.3pp | 7.63%-16.2pp |
| Employer contribution / active EE | $1,721 | $1,563+10.1% | $2,647-35.0% | $2,381-27.7% |
| Participant deferral / active EE | $3,921 | $2,566+52.8% | $3,836+2.2% | $3,470+13.0% |
| Admin fee / account holder | $691 | $3,198-78.4% | $4,849-85.7% | $4,887-85.9% |