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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 | $129,876 | $129,960-0.1% | $104,299+24.5% | $134,545-3.5% |
| Participation rate | 46.2% | 79.5%-33.4pp | 73.3%-27.1pp | 81.2%-35.1pp |
| Annual return | -18.95% | 42.06%-61.0pp | 24.62%-43.6pp | 418.37%-437.3pp |
| Employer contribution / active EE | $1,885 | $4,186-55.0% | $3,373-44.1% | $4,742-60.2% |
| Participant deferral / active EE | $5,138 | $5,589-8.1% | $4,626+11.1% | $6,401-19.7% |
| Admin fee / account holder | $2,203 | $9,324-76.4% | $7,339-70.0% | $11,431-80.7% |