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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 | $84,955 | $100,811-15.7% | $86,698-2.0% | $134,545-36.9% |
| Participation rate | 66.7% | 79.0%-12.3pp | 76.6%-9.9pp | 81.2%-14.6pp |
| Annual return | -10.09% | 29.11%-39.2pp | 35.96%-46.1pp | 418.37%-428.5pp |
| Employer contribution / active EE | $2,895 | $3,490-17.1% | $2,837+2.0% | $4,742-38.9% |
| Participant deferral / active EE | $5,669 | $5,339+6.2% | $4,656+21.7% | $6,401-11.4% |
| Admin fee / account holder | $2,005 | $10,926-81.7% | $7,492-73.2% | $11,431-82.5% |