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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 | $98,025 | $25,979+277.3% | $71,778+36.6% | $68,490+43.1% |
| Participation rate | 61.4% | 54.5%+6.9pp | 62.3%-0.9pp | 67.9%-6.5pp |
| Annual return | -15.96% | -15.10%-0.9pp | 9.15%-25.1pp | -7.85%-8.1pp |
| Employer contribution / active EE | $1,926 | $900+114.0% | $1,704+13.0% | $2,597-25.8% |
| Participant deferral / active EE | $4,361 | $1,522+186.5% | $2,656+64.2% | $4,028+8.3% |
| Admin fee / account holder | $4,235 | $2,022+109.5% | $3,974+6.6% | $5,403-21.6% |