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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 | $77,318 | $127,386-39.3% | $115,037-32.8% | $125,393-38.3% |
| Participation rate | 66.7% | 84.2%-17.5pp | 81.4%-14.7pp | 83.2%-16.5pp |
| Annual return | -0.56% | 31.28%-31.8pp | 26.14%-26.7pp | 282.23%-282.8pp |
| Employer contribution / active EE | $5,761 | $5,166+11.5% | $4,608+25.0% | $4,866+18.4% |
| Participant deferral / active EE | $3,120 | $6,423-51.4% | $6,026-48.2% | $5,351-41.7% |
| Admin fee / account holder | $1,547 | $9,516-83.7% | $8,175-81.1% | $9,541-83.8% |