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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 | $115,188 | $97,020+18.7% | $83,327+38.2% | $135,380-14.9% |
| Participation rate | 64.7% | 80.4%-15.7pp | 77.8%-13.1pp | 82.6%-17.9pp |
| Annual return | -8.12% | 12.31%-20.4pp | 10.64%-18.8pp | 519.81%-527.9pp |
| Employer contribution / active EE | $1,632 | $4,144-60.6% | $3,379-51.7% | $4,779-65.8% |
| Participant deferral / active EE | $11,309 | $5,964+89.6% | $5,565+103.2% | $5,609+101.6% |
| Admin fee / account holder | $1,641 | $8,426-80.5% | $7,540-78.2% | $10,828-84.8% |