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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 | $30,441 | $64,729-53.0% | $112,263-72.9% | $68,490-55.6% |
| Participation rate | 66.3% | 67.2%-0.9pp | 75.1%-8.8pp | 67.9%-1.6pp |
| Annual return | -16.20% | -11.40%-4.8pp | 27.49%-43.7pp | -7.85%-8.3pp |
| Employer contribution / active EE | $1,824 | $2,746-33.6% | $3,636-49.8% | $2,597-29.8% |
| Participant deferral / active EE | $3,583 | $3,566+0.5% | $4,729-24.2% | $4,028-11.1% |
| Admin fee / account holder | $4,637 | $5,222-11.2% | $6,410-27.7% | $5,403-14.2% |