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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 | $55,126 | $53,837+2.4% | $75,714-27.2% | $85,847-35.8% |
| Participation rate | 53.1% | 69.1%-16.0pp | 74.8%-21.8pp | 69.3%-16.3pp |
| Annual return | 23.34% | 24.54%-1.2pp | 104.62%-81.3pp | 318.61%-295.3pp |
| Employer contribution / active EE | $762 | $2,017-62.2% | $2,744-72.2% | $2,565-70.3% |
| Participant deferral / active EE | $2,318 | $2,895-19.9% | $3,820-39.3% | $3,952-41.3% |
| Admin fee / account holder | $3,238 | $3,339-3.0% | $3,619-10.5% | $6,261-48.3% |