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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 | $118,442 | $158,852-25.4% | $121,220-2.3% | $135,380-12.5% |
| Participation rate | 68.8% | 79.3%-10.6pp | 71.8%-3.0pp | 82.6%-13.9pp |
| Annual return | -7.07% | -0.64%-6.4pp | 16.94%-24.0pp | 519.81%-526.9pp |
| Employer contribution / active EE | $1,108 | $5,666-80.4% | $4,023-72.5% | $4,779-76.8% |
| Participant deferral / active EE | $1,783 | $4,006-55.5% | $3,345-46.7% | $5,609-68.2% |
| Admin fee / account holder | $7,131 | $6,515+9.5% | $5,021+42.0% | $10,828-34.1% |