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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 | $124,754 | $132,310-5.7% | $105,754+18.0% | $273,972-54.5% |
| Participation rate | 52.9% | 83.2%-30.3pp | 78.9%-26.0pp | 83.0%-30.1pp |
| Annual return | 5.28% | 10.08%-4.8pp | 12.25%-7.0pp | 41.46%-36.2pp |
| Employer contribution / active EE | $1,574 | $4,867-67.7% | $4,079-61.4% | $4,869-67.7% |
| Participant deferral / active EE | $8,944 | $6,233+43.5% | $5,326+67.9% | $5,287+69.2% |
| Admin fee / account holder | $5,417 | $12,036-55.0% | $8,309-34.8% | $10,133-46.5% |