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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 | $8,104 | $25,014-67.6% | $69,623-88.4% | $80,935-90.0% |
| Participation rate | 59.3% | 64.2%-4.9pp | 66.4%-7.1pp | 67.7%-8.3pp |
| Annual return | 14.68% | 19.08%-4.4pp | 101.23%-86.5pp | 35.66%-21.0pp |
| Employer contribution / active EE | $731 | $991-26.3% | $1,709-57.2% | $2,757-73.5% |
| Participant deferral / active EE | $2,250 | $1,840+22.3% | $2,890-22.1% | $4,299-47.7% |
| Admin fee / account holder | $575 | $2,491-76.9% | $4,696-87.8% | $6,924-91.7% |