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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 | $61,081 | $64,729-5.6% | $112,263-45.6% | $68,490-10.8% |
| Participation rate | 60.0% | 67.2%-7.2pp | 75.1%-15.1pp | 67.9%-7.9pp |
| Annual return | -11.32% | -11.40%+0.1pp | 27.49%-38.8pp | -7.85%-3.5pp |
| Employer contribution / active EE | $752 | $2,746-72.6% | $3,636-79.3% | $2,597-71.0% |
| Participant deferral / active EE | $4,400 | $3,566+23.4% | $4,729-7.0% | $4,028+9.2% |
| Admin fee / account holder | $4,402 | $5,222-15.7% | $6,410-31.3% | $5,403-18.5% |