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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 | $2,646 | $22,602-88.3% | $65,566-96.0% | $75,173-96.5% |
| Participation rate | 64.3% | 63.1%+1.2pp | 64.9%-0.6pp | 67.2%-2.9pp |
| Annual return | 102.19% | 71.13%+31.1pp | 47.40%+54.8pp | 160.72%-58.5pp |
| Employer contribution / active EE | $672 | $941-28.6% | $1,692-60.3% | $2,671-74.9% |
| Participant deferral / active EE | $1,366 | $1,695-19.4% | $2,832-51.8% | $4,126-66.9% |
| Admin fee / account holder | $315 | $1,877-83.2% | $4,114-92.3% | $5,651-94.4% |