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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 | $50,090 | $42,910+16.7% | $60,919-17.8% | $68,490-26.9% |
| Participation rate | 64.0% | 66.8%-2.8pp | 73.1%-9.1pp | 67.9%-3.9pp |
| Annual return | -11.00% | -13.99%+3.0pp | 16.96%-28.0pp | -7.85%-3.1pp |
| Employer contribution / active EE | $8,209 | $1,978+314.9% | $2,704+203.6% | $2,597+216.1% |
| Participant deferral / active EE | $1,810 | $2,866-36.9% | $3,814-52.6% | $4,028-55.1% |
| Admin fee / account holder | $2,953 | $3,104-4.9% | $3,228-8.5% | $5,403-45.3% |