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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 | $102,845 | $81,870+25.6% | $119,622-14.0% | $68,486+50.2% |
| Participation rate | 69.7% | 71.9%-2.2pp | 79.3%-9.6pp | 67.9%+1.8pp |
| Annual return | -15.02% | -23.82%+8.8pp | -14.98%0pp | -7.85%-7.2pp |
| Employer contribution / active EE | $2,283 | $2,692-15.2% | $4,232-46.1% | $2,597-12.1% |
| Participant deferral / active EE | $4,996 | $4,148+20.4% | $5,601-10.8% | $4,028+24.0% |
| Admin fee / account holder | $2,829 | $6,583-57.0% | $10,328-72.6% | $5,404-47.6% |