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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 | $118,939 | $64,729+83.8% | $112,263+5.9% | $68,490+73.7% |
| Participation rate | 50.0% | 67.2%-17.2pp | 75.1%-25.1pp | 67.9%-17.9pp |
| Annual return | -16.46% | -11.40%-5.1pp | 27.49%-43.9pp | -7.85%-8.6pp |
| Employer contribution / active EE | $3,321 | $2,746+20.9% | $3,636-8.7% | $2,597+27.9% |
| Participant deferral / active EE | $7,246 | $3,566+103.2% | $4,729+53.2% | $4,028+79.9% |
| Admin fee / account holder | $16,124 | $5,222+208.8% | $6,410+151.5% | $5,403+198.4% |