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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 | $153,089 | $73,848+107.3% | $143,799+6.5% | $68,486+123.5% |
| Participation rate | 34.9% | 66.7%-31.8pp | 80.3%-45.4pp | 67.9%-33.0pp |
| Annual return | -15.26% | 0.91%-16.2pp | -0.04%-15.2pp | -7.85%-7.4pp |
| Employer contribution / active EE | $1,380 | $3,184-56.7% | $4,952-72.1% | $2,597-46.9% |
| Participant deferral / active EE | $2,008 | $3,385-40.7% | $5,638-64.4% | $4,028-50.2% |
| Admin fee / account holder | $5,958 | $5,755+3.5% | $14,677-59.4% | $5,404+10.3% |