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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 | $137,627 | $133,998+2.7% | $112,263+22.6% | $134,545+2.3% |
| Participation rate | 63.6% | 78.6%-14.9pp | 75.1%-11.4pp | 81.2%-17.6pp |
| Annual return | -14.75% | 47.17%-61.9pp | 27.49%-42.2pp | 418.37%-433.1pp |
| Employer contribution / active EE | $1,450 | $4,040-64.1% | $3,636-60.1% | $4,742-69.4% |
| Participant deferral / active EE | $1,492 | $5,292-71.8% | $4,729-68.4% | $6,401-76.7% |
| Admin fee / account holder | $7,057 | $7,493-5.8% | $6,410+10.1% | $11,431-38.3% |