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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 | $100,536 | $53,546+87.8% | $69,884+43.9% | $68,486+46.8% |
| Participation rate | 59.5% | 64.5%-5.0pp | 70.5%-11.0pp | 67.9%-8.4pp |
| Annual return | -17.32% | -13.87%-3.4pp | 190.81%-208.1pp | -7.85%-9.5pp |
| Employer contribution / active EE | $1,081 | $2,019-46.5% | $2,560-57.8% | $2,597-58.4% |
| Participant deferral / active EE | $3,060 | $2,957+3.5% | $3,848-20.5% | $4,028-24.0% |
| Admin fee / account holder | $739 | $4,693-84.2% | $6,266-88.2% | $5,404-86.3% |