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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 | $100,418 | $64,719+55.2% | $112,249-10.5% | $68,486+46.6% |
| Participation rate | 32.9% | 67.2%-34.3pp | 75.1%-42.2pp | 67.9%-35.0pp |
| Annual return | -19.01% | -11.40%-7.6pp | 27.48%-46.5pp | -7.85%-11.2pp |
| Employer contribution / active EE | $1,194 | $2,747-56.5% | $3,636-67.2% | $2,597-54.0% |
| Participant deferral / active EE | $1,795 | $3,565-49.6% | $4,729-62.0% | $4,028-55.4% |
| Admin fee / account holder | $8,433 | $5,232+61.2% | $6,412+31.5% | $5,404+56.1% |