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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 | $81,896 | $142,392-42.5% | $119,622-31.5% | $134,532-39.1% |
| Participation rate | 66.7% | 82.8%-16.2pp | 79.3%-12.6pp | 81.2%-14.6pp |
| Annual return | -7.85% | -12.46%+4.6pp | -14.98%+7.1pp | 418.27%-426.1pp |
| Employer contribution / active EE | $4,311 | $5,224-17.5% | $4,232+1.9% | $4,741-9.1% |
| Participant deferral / active EE | $5,646 | $6,467-12.7% | $5,601+0.8% | $6,401-11.8% |
| Admin fee / account holder | $6,763 | $13,593-50.2% | $10,328-34.5% | $11,429-40.8% |