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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 | $67,337 | $72,177-6.7% | $115,038-41.5% | $59,633+12.9% |
| Participation rate | 49.1% | 72.6%-23.4pp | 81.4%-32.2pp | 68.7%-19.5pp |
| Annual return | -0.34% | 12.02%-12.4pp | 26.14%-26.5pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $2,180 | $2,841-23.3% | $4,608-52.7% | $2,203-1.0% |
| Participant deferral / active EE | $4,605 | $4,783-3.7% | $6,026-23.6% | $3,192+44.3% |
| Admin fee / account holder | $3,785 | $4,927-23.2% | $8,175-53.7% | $4,297-11.9% |