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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 | $103,467 | $73,848+40.1% | $143,799-28.0% | $68,486+51.1% |
| Participation rate | 69.4% | 66.7%+2.8pp | 80.3%-10.9pp | 67.9%+1.6pp |
| Annual return | -12.39% | 0.91%-13.3pp | -0.04%-12.3pp | -7.85%-4.5pp |
| Employer contribution / active EE | $1,389 | $3,184-56.4% | $4,952-72.0% | $2,597-46.5% |
| Participant deferral / active EE | $1,634 | $3,385-51.7% | $5,638-71.0% | $4,028-59.4% |
| Admin fee / account holder | $12,425 | $5,755+115.9% | $14,677-15.3% | $5,404+129.9% |