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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 | $90,510 | $73,848+22.6% | $143,799-37.1% | $68,486+32.2% |
| Participation rate | 42.4% | 66.7%-24.2pp | 80.3%-37.9pp | 67.9%-25.5pp |
| Annual return | -16.35% | 0.91%-17.3pp | -0.04%-16.3pp | -7.85%-8.5pp |
| Employer contribution / active EE | $1,955 | $3,184-38.6% | $4,952-60.5% | $2,597-24.7% |
| Participant deferral / active EE | $3,361 | $3,385-0.7% | $5,638-40.4% | $4,028-16.5% |
| Admin fee / account holder | $3,236 | $5,755-43.8% | $14,677-78.0% | $5,404-40.1% |