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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 | $75,656 | $64,176+17.9% | $112,263-32.6% | $66,949+13.0% |
| Participation rate | 67.9% | 68.4%-0.5pp | 75.1%-7.1pp | 69.8%-1.9pp |
| Annual return | -16.44% | -13.80%-2.6pp | 27.49%-43.9pp | 1.57%-18.0pp |
| Employer contribution / active EE | $1,782 | $3,007-40.7% | $3,636-51.0% | $2,545-30.0% |
| Participant deferral / active EE | $6,649 | $3,694+80.0% | $4,729+40.6% | $4,239+56.8% |
| Admin fee / account holder | $11,554 | $626+1746.2% | $6,410+80.2% | $594+1846.5% |