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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 | $2,742 | $22,602-87.9% | $65,566-95.8% | $75,173-96.4% |
| Participation rate | 59.7% | 63.1%-3.4pp | 64.9%-5.2pp | 67.2%-7.5pp |
| Annual return | 40.55% | 71.13%-30.6pp | 47.40%-6.9pp | 160.72%-120.2pp |
| Employer contribution / active EE | $583 | $941-38.0% | $1,692-65.5% | $2,671-78.2% |
| Participant deferral / active EE | $1,222 | $1,695-27.9% | $2,832-56.9% | $4,126-70.4% |
| Admin fee / account holder | $581 | $1,877-69.0% | $4,114-85.9% | $5,651-89.7% |