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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 | $141,925 | $73,839+92.2% | $143,788-1.3% | $68,495+107.2% |
| Participation rate | 54.5% | 66.7%-12.1pp | 80.3%-25.8pp | 67.9%-13.3pp |
| Annual return | -17.81% | 1.01%-18.8pp | -0.03%-17.8pp | -7.84%-10.0pp |
| Employer contribution / active EE | $11,596 | $3,184+264.2% | $4,952+134.2% | $2,596+346.6% |
| Participant deferral / active EE | $7,034 | $3,384+107.8% | $5,638+24.8% | $4,028+74.7% |
| Admin fee / account holder | $1,290 | $5,755-77.6% | $14,675-91.2% | $5,403-76.1% |