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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 | $136,475 | $181,896-25.0% | $156,551-12.8% | $273,972-50.2% |
| Participation rate | 55.6% | 88.4%-32.8pp | 84.0%-28.5pp | 83.0%-27.5pp |
| Annual return | 10.10% | 30.74%-20.6pp | 32.23%-22.1pp | 41.46%-31.4pp |
| Employer contribution / active EE | $7,837 | $6,248+25.4% | $5,501+42.5% | $4,869+61.0% |
| Participant deferral / active EE | $4,711 | $5,550-15.1% | $4,871-3.3% | $5,287-10.9% |
| Admin fee / account holder | $3,053 | $15,560-80.4% | $13,028-76.6% | $10,133-69.9% |