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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 | $47,377 | $50,947-7.0% | $74,549-36.4% | $64,173-26.2% |
| Participation rate | 61.4% | 61.1%+0.4pp | 69.1%-7.7pp | 69.6%-8.1pp |
| Annual return | -4.11% | -1.85%-2.3pp | 32.53%-36.6pp | 7.63%-11.7pp |
| Employer contribution / active EE | $515 | $1,115-53.9% | $1,961-73.8% | $2,381-78.4% |
| Participant deferral / active EE | $2,697 | $2,302+17.2% | $3,108-13.2% | $3,470-22.3% |
| Admin fee / account holder | $3,275 | $4,221-22.4% | $5,059-35.3% | $4,887-33.0% |