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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 | $161,390 | $92,219+75.0% | $76,766+110.2% | $135,382+19.2% |
| Participation rate | 39.1% | 79.8%-40.6pp | 77.0%-37.8pp | 82.6%-43.5pp |
| Annual return | -7.87% | 5.46%-13.3pp | 2.43%-10.3pp | 519.77%-527.6pp |
| Employer contribution / active EE | $1,145 | $3,216-64.4% | $2,485-53.9% | $4,779-76.0% |
| Participant deferral / active EE | $2,910 | $4,508-35.5% | $3,851-24.4% | $5,609-48.1% |
| Admin fee / account holder | $8,306 | $10,749-22.7% | $6,675+24.4% | $10,829-23.3% |