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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 | $88,346 | $131,835-33.0% | $108,582-18.6% | $273,972-67.8% |
| Participation rate | 65.2% | 83.5%-18.2pp | 79.6%-14.4pp | 83.0%-17.8pp |
| Annual return | 8.04% | -91.57%+99.6pp | -51.70%+59.7pp | 41.46%-33.4pp |
| Employer contribution / active EE | $3,047 | $4,913-38.0% | $3,758-18.9% | $4,869-37.4% |
| Participant deferral / active EE | $6,598 | $5,127+28.7% | $4,311+53.1% | $5,287+24.8% |
| Admin fee / account holder | $2,087 | $10,253-79.6% | $7,645-72.7% | $10,133-79.4% |