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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 | $51,379 | $45,872+12.0% | $77,096-33.4% | $68,486-25.0% |
| Participation rate | 42.4% | 55.9%-13.5pp | 67.9%-25.5pp | 67.9%-25.5pp |
| Annual return | -11.99% | 1.73%-13.7pp | 42.35%-54.3pp | -7.85%-4.1pp |
| Employer contribution / active EE | $1,457 | $1,650-11.7% | $2,814-48.2% | $2,597-43.9% |
| Participant deferral / active EE | $3,289 | $2,963+11.0% | $4,429-25.7% | $4,028-18.3% |
| Admin fee / account holder | $1,042 | $3,041-65.7% | $5,428-80.8% | $5,404-80.7% |