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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 | $64,706-53.0% | $112,244-72.9% | $68,498-55.6% |
| Participation rate | 66.3% | 67.1%-0.9pp | 75.1%-8.8pp | 67.9%-1.6pp |
| Annual return | -16.20% | -11.40%-4.8pp | 27.46%-43.7pp | -7.84%-8.4pp |
| Employer contribution / active EE | $1,824 | $2,746-33.6% | $3,635-49.8% | $2,596-29.8% |
| Participant deferral / active EE | $3,583 | $3,565+0.5% | $4,728-24.2% | $4,027-11.0% |
| Admin fee / account holder | $4,637 | $5,231-11.4% | $6,411-27.7% | $5,403-14.2% |