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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 | $101,091 | $71,873+40.7% | $86,698+16.6% | $68,490+47.6% |
| Participation rate | 50.7% | 72.2%-21.6pp | 76.6%-25.9pp | 67.9%-17.2pp |
| Annual return | -18.27% | 3.54%-21.8pp | 35.96%-54.2pp | -7.85%-10.4pp |
| Employer contribution / active EE | $1,539 | $2,173-29.2% | $2,837-45.8% | $2,597-40.7% |
| Participant deferral / active EE | $3,272 | $3,779-13.4% | $4,656-29.7% | $4,028-18.8% |
| Admin fee / account holder | $1,085 | $6,110-82.2% | $7,492-85.5% | $5,403-79.9% |