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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 | $137,625 | $133,981+2.7% | $112,249+22.6% | $134,532+2.3% |
| Participation rate | 37.5% | 78.6%-41.1pp | 75.1%-37.6pp | 81.2%-43.7pp |
| Annual return | -5.77% | 47.16%-52.9pp | 27.48%-33.2pp | 418.27%-424.0pp |
| Employer contribution / active EE | $2,254 | $4,040-44.2% | $3,636-38.0% | $4,741-52.5% |
| Participant deferral / active EE | $10,789 | $5,292+103.9% | $4,729+128.1% | $6,401+68.6% |
| Admin fee / account holder | $1,244 | $7,492-83.4% | $6,412-80.6% | $11,429-89.1% |