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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 | $6,284 | $23,330-73.1% | $64,489-90.3% | $82,448-92.4% |
| Participation rate | 69.8% | 68.3%+1.6pp | 67.7%+2.1pp | 68.1%+1.8pp |
| Annual return | 21.98% | 83.66%-61.7pp | 55.03%-33.0pp | 41.64%-19.7pp |
| Employer contribution / active EE | $543 | $824-34.2% | $1,523-64.4% | $2,551-78.7% |
| Participant deferral / active EE | $1,275 | $1,707-25.3% | $2,778-54.1% | $4,139-69.2% |
| Admin fee / account holder | $1,172 | $2,946-60.2% | $4,260-72.5% | $7,234-83.8% |