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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 | $108,247 | $72,177+50.0% | $115,038-5.9% | $59,633+81.5% |
| Participation rate | 68.4% | 72.6%-4.1pp | 81.4%-12.9pp | 68.7%-0.2pp |
| Annual return | -2.25% | 12.02%-14.3pp | 26.14%-28.4pp | 2041.45%-2043.7pp |
| Employer contribution / active EE | $2,268 | $2,841-20.2% | $4,608-50.8% | $2,203+3.0% |
| Participant deferral / active EE | $4,615 | $4,783-3.5% | $6,026-23.4% | $3,192+44.6% |
| Admin fee / account holder | $6,227 | $4,927+26.4% | $8,175-23.8% | $4,297+44.9% |