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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 | $163,283 | $131,835+23.9% | $108,582+50.4% | $273,972-40.4% |
| Participation rate | 50.0% | 83.5%-33.5pp | 79.6%-29.6pp | 83.0%-33.0pp |
| Annual return | 5.32% | -91.57%+96.9pp | -51.70%+57.0pp | 41.46%-36.1pp |
| Employer contribution / active EE | $3,418 | $4,913-30.4% | $3,758-9.1% | $4,869-29.8% |
| Participant deferral / active EE | $4,275 | $5,127-16.6% | $4,311-0.8% | $5,287-19.2% |
| Admin fee / account holder | $1,126 | $10,253-89.0% | $7,645-85.3% | $10,133-88.9% |