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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 | $104,824 | $117,777-11.0% | $71,778+46.0% | $134,545-22.1% |
| Participation rate | 65.2% | 68.9%-3.7pp | 62.3%+2.9pp | 81.2%-16.0pp |
| Annual return | -18.28% | 25.46%-43.7pp | 9.15%-27.4pp | 418.37%-436.6pp |
| Employer contribution / active EE | $2,837 | $2,525+12.4% | $1,704+66.5% | $4,742-40.2% |
| Participant deferral / active EE | $3,846 | $3,756+2.4% | $2,656+44.8% | $6,401-39.9% |
| Admin fee / account holder | $1,942 | $6,379-69.5% | $3,974-51.1% | $11,431-83.0% |