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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 | $54,911 | $52,279+5.0% | $89,435-38.6% | $79,856-31.2% |
| Participation rate | 22.2% | 57.5%-35.3pp | 68.0%-45.8pp | 69.6%-47.4pp |
| Annual return | 18.10% | 22.16%-4.1pp | 245.55%-227.5pp | 31.71%-13.6pp |
| Employer contribution / active EE | $569 | $1,572-63.8% | $2,587-78.0% | $2,471-77.0% |
| Participant deferral / active EE | $903 | $2,740-67.1% | $3,890-76.8% | $3,741-75.9% |
| Admin fee / account holder | $5,279 | $3,356+57.3% | $4,884+8.1% | $5,306-0.5% |