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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 | $68,481 | $71,873-4.7% | $86,698-21.0% | $68,4900% |
| Participation rate | 28.6% | 72.2%-43.7pp | 76.6%-48.0pp | 67.9%-39.3pp |
| Annual return | -13.23% | 3.54%-16.8pp | 35.96%-49.2pp | -7.85%-5.4pp |
| Employer contribution / active EE | $1,193 | $2,173-45.1% | $2,837-57.9% | $2,597-54.1% |
| Participant deferral / active EE | $3,823 | $3,779+1.2% | $4,656-17.9% | $4,028-5.1% |
| Admin fee / account holder | $1,333 | $6,110-78.2% | $7,492-82.2% | $5,403-75.3% |