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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 | $65,341 | $99,345-34.2% | $84,753-22.9% | $273,972-76.2% |
| Participation rate | 55.6% | 80.7%-25.1pp | 76.6%-21.0pp | 83.0%-27.5pp |
| Annual return | 5.57% | 22.93%-17.4pp | 22.78%-17.2pp | 41.46%-35.9pp |
| Employer contribution / active EE | $6,127 | $4,214+45.4% | $3,574+71.4% | $4,869+25.8% |
| Participant deferral / active EE | $2,107 | $4,270-50.7% | $3,712-43.2% | $5,287-60.2% |
| Admin fee / account holder | $526 | $6,645-92.1% | $5,333-90.1% | $10,133-94.8% |