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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 | $69,096 | $64,729+6.7% | $112,263-38.5% | $68,490+0.9% |
| Participation rate | 58.6% | 67.2%-8.5pp | 75.1%-16.4pp | 67.9%-9.3pp |
| Annual return | -14.21% | -11.40%-2.8pp | 27.49%-41.7pp | -7.85%-6.4pp |
| Employer contribution / active EE | $3,257 | $2,746+18.6% | $3,636-10.4% | $2,597+25.4% |
| Participant deferral / active EE | $7,429 | $3,566+108.4% | $4,729+57.1% | $4,028+84.5% |
| Admin fee / account holder | $10,433 | $5,222+99.8% | $6,410+62.8% | $5,403+93.1% |