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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 | $4,940 | $24,891-80.2% | $69,611-92.9% | $74,429-93.4% |
| Participation rate | 47.1% | 63.4%-16.3pp | 66.4%-19.3pp | 67.2%-20.1pp |
| Annual return | 17.08% | 18.53%-1.4pp | 101.14%-84.1pp | 1368.38%-1351.3pp |
| Employer contribution / active EE | $444 | $1,005-55.9% | $1,709-74.0% | $2,625-83.1% |
| Participant deferral / active EE | $1,179 | $1,908-38.2% | $2,891-59.2% | $4,348-72.9% |
| Admin fee / account holder | $2,048 | $1,904+7.6% | $4,696-56.4% | $1,944+5.3% |