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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 | $5,650 | $23,330-75.8% | $64,489-91.2% | $82,448-93.1% |
| Participation rate | 60.0% | 68.3%-8.3pp | 67.7%-7.7pp | 68.1%-8.1pp |
| Annual return | 25.60% | 83.66%-58.1pp | 55.03%-29.4pp | 41.64%-16.0pp |
| Employer contribution / active EE | $404 | $824-51.0% | $1,523-73.5% | $2,551-84.2% |
| Participant deferral / active EE | $1,832 | $1,707+7.3% | $2,778-34.1% | $4,139-55.7% |
| Admin fee / account holder | $1,192 | $2,946-59.5% | $4,260-72.0% | $7,234-83.5% |