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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 | $151,479 | $154,209-1.8% | $130,062+16.5% | $139,487+8.6% |
| Participation rate | 56.5% | 82.0%-25.4pp | 78.5%-22.0pp | 80.3%-23.8pp |
| Annual return | 15.03% | 32.52%-17.5pp | -137.37%+152.4pp | 373.84%-358.8pp |
| Employer contribution / active EE | $2,407 | $5,292-54.5% | $4,322-44.3% | $4,755-49.4% |
| Participant deferral / active EE | $8,386 | $6,709+25.0% | $5,821+44.1% | $6,713+24.9% |
| Admin fee / account holder | $2,356 | $13,988-83.2% | $10,601-77.8% | $11,407-79.3% |