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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 | $174,960 | $158,827+10.2% | $121,208+44.3% | $135,382+29.2% |
| Participation rate | 65.0% | 79.3%-14.3pp | 71.8%-6.8pp | 82.6%-17.6pp |
| Annual return | -7.70% | -0.64%-7.1pp | 16.93%-24.6pp | 519.77%-527.5pp |
| Employer contribution / active EE | $3,667 | $5,666-35.3% | $4,023-8.8% | $4,779-23.3% |
| Participant deferral / active EE | $7,360 | $4,006+83.7% | $3,345+120.0% | $5,609+31.2% |
| Admin fee / account holder | $2,857 | $6,514-56.1% | $5,020-43.1% | $10,829-73.6% |