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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 | $106,975 | $84,518+26.6% | $67,704+58.0% | $125,388-14.7% |
| Participation rate | 66.7% | 74.8%-8.1pp | 67.5%-0.9pp | 83.2%-16.5pp |
| Annual return | -1.75% | 2.57%-4.3pp | 25.41%-27.2pp | 282.24%-284.0pp |
| Employer contribution / active EE | $1,364 | $3,292-58.6% | $2,559-46.7% | $4,866-72.0% |
| Participant deferral / active EE | $3,603 | $4,430-18.7% | $3,585+0.5% | $5,352-32.7% |
| Admin fee / account holder | $2,489 | $5,340-53.4% | $4,255-41.5% | $9,541-73.9% |