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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 | $199,769 | $107,809+85.3% | $90,657+120.4% | $135,380+47.6% |
| Participation rate | 64.7% | 78.0%-13.3pp | 74.0%-9.3pp | 82.6%-17.9pp |
| Annual return | -4.12% | -0.90%-3.2pp | 1.89%-6.0pp | 519.81%-523.9pp |
| Employer contribution / active EE | $2,505 | $3,018-17.0% | $2,532-1.1% | $4,779-47.6% |
| Participant deferral / active EE | $4,730 | $3,872+22.2% | $3,424+38.1% | $5,609-15.7% |
| Admin fee / account holder | $1,133 | $5,931-80.9% | $4,994-77.3% | $10,828-89.5% |