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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 | $152,750 | $107,809+41.7% | $90,657+68.5% | $135,380+12.8% |
| Participation rate | 42.9% | 78.0%-35.2pp | 74.0%-31.2pp | 82.6%-39.8pp |
| Annual return | -4.53% | -0.90%-3.6pp | 1.89%-6.4pp | 519.81%-524.3pp |
| Employer contribution / active EE | $8,417 | $3,018+178.9% | $2,532+232.5% | $4,779+76.1% |
| Participant deferral / active EE | $7,544 | $3,872+94.9% | $3,424+120.3% | $5,609+34.5% |
| Admin fee / account holder | $4,206 | $5,931-29.1% | $4,994-15.8% | $10,828-61.2% |