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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 | $142,216 | $83,908+69.5% | $68,509+107.6% | $125,389+13.4% |
| Participation rate | 60.0% | 78.2%-18.2pp | 74.7%-14.7pp | 83.2%-23.2pp |
| Annual return | -0.46% | 14.48%-14.9pp | 8.27%-8.7pp | 282.24%-282.7pp |
| Employer contribution / active EE | $2,071 | $3,031-31.7% | $2,278-9.1% | $4,866-57.4% |
| Participant deferral / active EE | $5,514 | $4,125+33.7% | $3,382+63.0% | $5,352+3.0% |
| Admin fee / account holder | $9,631 | $8,982+7.2% | $5,275+82.6% | $9,541+0.9% |