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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 | $187,397 | $92,219+103.2% | $76,766+144.1% | $135,382+38.4% |
| Participation rate | 69.2% | 79.8%-10.5pp | 77.0%-7.7pp | 82.6%-13.4pp |
| Annual return | -4.23% | 5.46%-9.7pp | 2.43%-6.7pp | 519.77%-524.0pp |
| Employer contribution / active EE | $3,202 | $3,216-0.4% | $2,485+28.8% | $4,779-33.0% |
| Participant deferral / active EE | $11,833 | $4,508+162.5% | $3,851+207.2% | $5,609+111.0% |
| Admin fee / account holder | $5,997 | $10,749-44.2% | $6,675-10.2% | $10,829-44.6% |