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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 | $156,850 | $92,219+70.1% | $76,767+104.3% | $135,380+15.9% |
| Participation rate | 61.9% | 79.8%-17.9pp | 77.0%-15.1pp | 82.6%-20.7pp |
| Annual return | -5.55% | 5.46%-11.0pp | 2.43%-8.0pp | 519.81%-525.4pp |
| Employer contribution / active EE | $2,950 | $3,216-8.3% | $2,485+18.7% | $4,779-38.3% |
| Participant deferral / active EE | $4,512 | $4,508+0.1% | $3,852+17.1% | $5,609-19.6% |
| Admin fee / account holder | $1,651 | $10,749-84.6% | $6,675-75.3% | $10,828-84.8% |