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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 | $38,338 | $67,411-43.1% | $91,004-57.9% | $70,126-45.3% |
| Participation rate | 60.0% | 71.4%-11.4pp | 75.6%-15.6pp | 69.5%-9.5pp |
| Annual return | 16.78% | -40.16%+56.9pp | 4.60%+12.2pp | 73.15%-56.4pp |
| Employer contribution / active EE | $1,191 | $1,786-33.3% | $2,456-51.5% | $2,343-49.2% |
| Participant deferral / active EE | $2,538 | $2,823-10.1% | $3,548-28.5% | $3,332-23.8% |
| Admin fee / account holder | $499 | $4,236-88.2% | $5,417-90.8% | $4,645-89.3% |