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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 | $1,881 | $22,602-91.7% | $65,566-97.1% | $75,173-97.5% |
| Participation rate | 57.4% | 63.1%-5.6pp | 64.9%-7.5pp | 67.2%-9.8pp |
| Annual return | 77.43% | 71.13%+6.3pp | 47.40%+30.0pp | 160.72%-83.3pp |
| Employer contribution / active EE | $694 | $941-26.2% | $1,692-59.0% | $2,671-74.0% |
| Participant deferral / active EE | $1,599 | $1,695-5.6% | $2,832-43.5% | $4,126-61.2% |
| Admin fee / account holder | $380 | $1,877-79.7% | $4,114-90.8% | $5,651-93.3% |