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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 | $2,797 | $24,891-88.8% | $69,632-96.0% | $74,478-96.2% |
| Participation rate | 58.5% | 63.4%-5.0pp | 66.4%-7.9pp | 67.2%-8.7pp |
| Annual return | 17.20% | 18.53%-1.3pp | 101.32%-84.1pp | 1370.56%-1353.4pp |
| Employer contribution / active EE | $488 | $1,005-51.5% | $1,708-71.4% | $2,626-81.4% |
| Participant deferral / active EE | $1,067 | $1,908-44.1% | $2,889-63.1% | $4,350-75.5% |
| Admin fee / account holder | $1,205 | $1,904-36.7% | $4,695-74.3% | $1,946-38.1% |