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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 | $187,267 | $105,853+76.9% | $90,752+106.4% | $134,493+39.2% |
| Participation rate | 63.6% | 78.2%-14.6pp | 75.7%-12.1pp | 81.2%-17.6pp |
| Annual return | -14.07% | -10.99%-3.1pp | -12.16%-1.9pp | 418.01%-432.1pp |
| Employer contribution / active EE | $2,735 | $3,462-21.0% | $2,921-6.4% | $4,740-42.3% |
| Participant deferral / active EE | $5,562 | $5,216+6.6% | $4,564+21.9% | $6,400-13.1% |
| Admin fee / account holder | $1,777 | $13,938-87.3% | $8,446-79.0% | $11,425-84.4% |