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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 | $196,601 | $64,729+203.7% | $112,263+75.1% | $68,490+187.0% |
| Participation rate | 60.0% | 67.2%-7.2pp | 75.1%-15.1pp | 67.9%-7.9pp |
| Annual return | -12.99% | -11.40%-1.6pp | 27.49%-40.5pp | -7.85%-5.1pp |
| Employer contribution / active EE | $2,493 | $2,746-9.2% | $3,636-31.4% | $2,597-4.0% |
| Participant deferral / active EE | $5,828 | $3,566+63.4% | $4,729+23.2% | $4,028+44.7% |
| Admin fee / account holder | $56,448 | $5,222+981.0% | $6,410+780.6% | $5,403+944.8% |