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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 | $88,154 | $73,863+19.3% | $143,797-38.7% | $68,490+28.7% |
| Participation rate | 66.7% | 66.7%0pp | 80.3%-13.7pp | 67.9%-1.2pp |
| Annual return | -15.37% | 0.91%-16.3pp | -0.04%-15.3pp | -7.85%-7.5pp |
| Employer contribution / active EE | $1,012 | $3,185-68.2% | $4,952-79.6% | $2,597-61.0% |
| Participant deferral / active EE | $5,019 | $3,385+48.3% | $5,638-11.0% | $4,028+24.6% |
| Admin fee / account holder | $1,634 | $5,756-71.6% | $14,679-88.9% | $5,403-69.8% |