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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 | $111,870 | $73,863+51.5% | $143,797-22.2% | $68,490+63.3% |
| Participation rate | 51.6% | 66.7%-15.1pp | 80.3%-28.7pp | 67.9%-16.3pp |
| Annual return | -18.78% | 0.91%-19.7pp | -0.04%-18.7pp | -7.85%-10.9pp |
| Employer contribution / active EE | $2,133 | $3,185-33.0% | $4,952-56.9% | $2,597-17.9% |
| Participant deferral / active EE | $4,652 | $3,385+37.4% | $5,638-17.5% | $4,028+15.5% |
| Admin fee / account holder | $1,116 | $5,756-80.6% | $14,679-92.4% | $5,403-79.3% |