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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 | $116,082 | $73,863+57.2% | $143,797-19.3% | $68,490+69.5% |
| Participation rate | 56.0% | 66.7%-10.7pp | 80.3%-24.3pp | 67.9%-11.9pp |
| Annual return | -17.69% | 0.91%-18.6pp | -0.04%-17.7pp | -7.85%-9.8pp |
| Employer contribution / active EE | $2,309 | $3,185-27.5% | $4,952-53.4% | $2,597-11.1% |
| Participant deferral / active EE | $1,681 | $3,385-50.3% | $5,638-70.2% | $4,028-58.3% |
| Admin fee / account holder | $437 | $5,756-92.4% | $14,679-97.0% | $5,403-91.9% |