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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 | $135,345 | $167,362-19.1% | $143,799-5.9% | $134,532+0.6% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -16.88% | 0.47%-17.4pp | -0.04%-16.8pp | 418.27%-435.1pp |
| Employer contribution / active EE | $2,292 | $5,620-59.2% | $4,952-53.7% | $4,741-51.7% |
| Participant deferral / active EE | $8,557 | $6,447+32.7% | $5,638+51.8% | $6,401+33.7% |
| Admin fee / account holder | $804 | $18,094-95.6% | $14,677-94.5% | $11,429-93.0% |