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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 | $93,566 | $65,704+42.4% | $94,229-0.7% | $59,633+56.9% |
| Participation rate | 62.5% | 72.1%-9.6pp | 78.8%-16.3pp | 68.7%-6.2pp |
| Annual return | -1.82% | 5.22%-7.0pp | 10.68%-12.5pp | 2041.45%-2043.3pp |
| Employer contribution / active EE | $1,901 | $2,021-5.9% | $3,587-47.0% | $2,203-13.7% |
| Participant deferral / active EE | $4,457 | $3,143+41.8% | $4,320+3.2% | $3,192+39.7% |
| Admin fee / account holder | $1,874 | $4,265-56.0% | $6,269-70.1% | $4,297-56.4% |