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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 | $39,152 | $45,872-14.6% | $77,027-49.2% | $68,498-42.8% |
| Participation rate | 60.0% | 55.9%+4.1pp | 67.9%-7.9pp | 67.9%-7.9pp |
| Annual return | -18.85% | 1.73%-20.6pp | 42.32%-61.2pp | -7.84%-11.0pp |
| Employer contribution / active EE | $2,555 | $1,650+54.9% | $2,813-9.2% | $2,596-1.6% |
| Participant deferral / active EE | $5,821 | $2,963+96.5% | $4,427+31.5% | $4,027+44.5% |
| Admin fee / account holder | $959 | $3,041-68.5% | $5,425-82.3% | $5,403-82.2% |