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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 | $3,966 | $25,014-84.1% | $69,623-94.3% | $80,935-95.1% |
| Participation rate | 69.7% | 64.2%+5.5pp | 66.4%+3.2pp | 67.7%+2.0pp |
| Annual return | 17.38% | 19.08%-1.7pp | 101.23%-83.8pp | 35.66%-18.3pp |
| Employer contribution / active EE | $846 | $991-14.7% | $1,709-50.5% | $2,757-69.3% |
| Participant deferral / active EE | $1,011 | $1,840-45.1% | $2,890-65.0% | $4,299-76.5% |
| Admin fee / account holder | $636 | $2,491-74.5% | $4,696-86.5% | $6,924-90.8% |