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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 | $80,422 | $73,848+8.9% | $143,799-44.1% | $68,486+17.4% |
| Participation rate | 67.7% | 66.7%+1.1pp | 80.3%-12.6pp | 67.9%-0.2pp |
| Annual return | -16.72% | 0.91%-17.6pp | -0.04%-16.7pp | -7.85%-8.9pp |
| Employer contribution / active EE | $3,204 | $3,184+0.6% | $4,952-35.3% | $2,597+23.4% |
| Participant deferral / active EE | $3,771 | $3,385+11.4% | $5,638-33.1% | $4,028-6.4% |
| Admin fee / account holder | $1,141 | $5,755-80.2% | $14,677-92.2% | $5,404-78.9% |