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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 | $191,337 | $133,998+42.8% | $112,263+70.4% | $134,545+42.2% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -16.53% | 47.17%-63.7pp | 27.49%-44.0pp | 418.37%-434.9pp |
| Employer contribution / active EE | $1,239 | $4,040-69.3% | $3,636-65.9% | $4,742-73.9% |
| Participant deferral / active EE | $10,425 | $5,292+97.0% | $4,729+120.4% | $6,401+62.9% |
| Admin fee / account holder | $3,022 | $7,493-59.7% | $6,410-52.9% | $11,431-73.6% |