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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 | $132,358 | $158,827-16.7% | $121,208+9.2% | $135,382-2.2% |
| Participation rate | 60.0% | 79.3%-19.3pp | 71.8%-11.8pp | 82.6%-22.6pp |
| Annual return | -0.64% | -0.64%0pp | 16.93%-17.6pp | 519.77%-520.4pp |
| Employer contribution / active EE | $3,939 | $5,666-30.5% | $4,023-2.1% | $4,779-17.6% |
| Participant deferral / active EE | $9,780 | $4,006+144.2% | $3,345+192.4% | $5,609+74.4% |
| Admin fee / account holder | $21,580 | $6,514+231.3% | $5,020+329.9% | $10,829+99.3% |