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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 | $146,182 | $97,020+50.7% | $83,322+75.4% | $135,379+8.0% |
| Participation rate | 68.4% | 80.4%-12.0pp | 77.8%-9.3pp | 82.6%-14.2pp |
| Annual return | -7.63% | 12.31%-19.9pp | 10.64%-18.3pp | 519.79%-527.4pp |
| Employer contribution / active EE | $1,546 | $4,144-62.7% | $3,379-54.2% | $4,779-67.6% |
| Participant deferral / active EE | $5,114 | $5,964-14.3% | $5,565-8.1% | $5,609-8.8% |
| Admin fee / account holder | $995 | $8,426-88.2% | $7,540-86.8% | $10,828-90.8% |