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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 | $80,327 | $59,819+34.3% | $79,583+0.9% | $68,490+17.3% |
| Participation rate | 63.9% | 61.1%+2.8pp | 69.5%-5.6pp | 67.9%-4.0pp |
| Annual return | -18.13% | -12.30%-5.8pp | 0.16%-18.3pp | -7.85%-10.3pp |
| Employer contribution / active EE | $2,749 | $1,505+82.6% | $2,414+13.9% | $2,597+5.9% |
| Participant deferral / active EE | $4,681 | $3,025+54.8% | $3,986+17.4% | $4,028+16.2% |
| Admin fee / account holder | $497 | $4,835-89.7% | $6,835-92.7% | $5,403-90.8% |