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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 | $109,258 | $77,816+40.4% | $123,549-11.6% | $64,181+70.2% |
| Participation rate | 64.7% | 74.7%-10.0pp | 82.3%-17.6pp | 69.6%-4.9pp |
| Annual return | -5.75% | 12.49%-18.2pp | 119.20%-124.9pp | 7.63%-13.4pp |
| Employer contribution / active EE | $2,989 | $3,014-0.8% | $4,628-35.4% | $2,381+25.6% |
| Participant deferral / active EE | $6,782 | $5,240+29.4% | $6,426+5.5% | $3,470+95.5% |
| Admin fee / account holder | $2,696 | $5,519-51.2% | $9,284-71.0% | $4,887-44.8% |