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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 | $2,895 | $24,891-88.4% | $69,623-95.8% | $74,459-96.1% |
| Participation rate | 61.4% | 63.4%-2.0pp | 66.4%-5.0pp | 67.2%-5.8pp |
| Annual return | 15.13% | 18.53%-3.4pp | 101.23%-86.1pp | 1369.70%-1354.6pp |
| Employer contribution / active EE | $377 | $1,005-62.5% | $1,709-77.9% | $2,626-85.6% |
| Participant deferral / active EE | $823 | $1,908-56.9% | $2,890-71.5% | $4,350-81.1% |
| Admin fee / account holder | $446 | $1,904-76.6% | $4,696-90.5% | $1,945-77.1% |