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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 | $107,976 | $52,678+105.0% | $75,784+42.5% | $59,633+81.1% |
| Participation rate | 60.6% | 67.2%-6.6pp | 75.8%-15.2pp | 68.7%-8.1pp |
| Annual return | -1.49% | 2.95%-4.4pp | 9.68%-11.2pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $1,807 | $2,193-17.6% | $3,323-45.6% | $2,203-18.0% |
| Participant deferral / active EE | $3,131 | $2,591+20.9% | $3,652-14.3% | $3,192-1.9% |
| Admin fee / account holder | $2,886 | $3,610-20.0% | $5,300-45.5% | $4,297-32.8% |