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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 | $145,314 | $81,870+77.5% | $119,608+21.5% | $68,495+112.2% |
| Participation rate | 62.9% | 71.9%-9.0pp | 79.3%-16.4pp | 67.9%-5.0pp |
| Annual return | -13.84% | -23.82%+10.0pp | -14.98%+1.1pp | -7.84%-6.0pp |
| Employer contribution / active EE | $3,279 | $2,692+21.8% | $4,232-22.5% | $2,596+26.3% |
| Participant deferral / active EE | $7,790 | $4,148+87.8% | $5,601+39.1% | $4,028+93.4% |
| Admin fee / account holder | $5,978 | $6,583-9.2% | $10,326-42.1% | $5,403+10.6% |