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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 | $98,166 | $57,352+71.2% | $83,830+17.1% | $64,173+53.0% |
| Participation rate | 60.0% | 68.6%-8.6pp | 76.1%-16.1pp | 69.6%-9.6pp |
| Annual return | -6.89% | 11.38%-18.3pp | 850.97%-857.9pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,879 | $2,546-26.2% | $3,631-48.3% | $2,381-21.1% |
| Participant deferral / active EE | $4,563 | $2,993+52.5% | $4,082+11.8% | $3,470+31.5% |
| Admin fee / account holder | $1,021 | $4,046-74.8% | $5,479-81.4% | $4,887-79.1% |