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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 | $73,321 | $81,870-10.4% | $119,622-38.7% | $68,486+7.1% |
| Participation rate | 56.0% | 71.9%-15.9pp | 79.3%-23.3pp | 67.9%-11.9pp |
| Annual return | -17.35% | -23.82%+6.5pp | -14.98%-2.4pp | -7.85%-9.5pp |
| Employer contribution / active EE | $2,373 | $2,692-11.8% | $4,232-43.9% | $2,597-8.6% |
| Participant deferral / active EE | $2,678 | $4,148-35.4% | $5,601-52.2% | $4,028-33.5% |
| Admin fee / account holder | $1,132 | $6,583-82.8% | $10,328-89.0% | $5,404-79.0% |