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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 | $127,991 | $92,219+38.8% | $76,766+66.7% | $135,382-5.5% |
| Participation rate | 57.1% | 79.8%-22.6pp | 77.0%-19.8pp | 82.6%-25.5pp |
| Annual return | -5.48% | 5.46%-10.9pp | 2.43%-7.9pp | 519.77%-525.3pp |
| Employer contribution / active EE | $4,340 | $3,216+34.9% | $2,485+74.6% | $4,779-9.2% |
| Participant deferral / active EE | $10,200 | $4,508+126.3% | $3,851+164.8% | $5,609+81.9% |
| Admin fee / account holder | $524 | $10,749-95.1% | $6,675-92.1% | $10,829-95.2% |