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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 | $131,192 | $91,911+42.7% | $68,612+91.2% | $135,380-3.1% |
| Participation rate | 56.5% | 76.7%-20.2pp | 72.2%-15.7pp | 82.6%-26.1pp |
| Annual return | -6.78% | -8.22%+1.4pp | -4.63%-2.2pp | 519.81%-526.6pp |
| Employer contribution / active EE | $5,525 | $3,924+40.8% | $2,625+110.5% | $4,779+15.6% |
| Participant deferral / active EE | $6,952 | $4,315+61.1% | $3,311+110.0% | $5,609+23.9% |
| Admin fee / account holder | $3,100 | $9,240-66.5% | $5,131-39.6% | $10,828-71.4% |