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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 | $55,057 | $61,660-10.7% | $80,022-31.2% | $64,173-14.2% |
| Participation rate | 60.0% | 71.7%-11.7pp | 75.8%-15.8pp | 69.6%-9.6pp |
| Annual return | -5.77% | -0.33%-5.4pp | 11.22%-17.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $971 | $1,810-46.4% | $2,468-60.7% | $2,381-59.2% |
| Participant deferral / active EE | $4,165 | $2,968+40.4% | $3,686+13.0% | $3,470+20.0% |
| Admin fee / account holder | $1,906 | $5,417-64.8% | $6,521-70.8% | $4,887-61.0% |