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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 | $34,589 | $34,316+0.8% | $74,722-53.7% | $72,975-52.6% |
| Participation rate | 39.0% | 42.4%-3.4pp | 54.5%-15.4pp | 69.5%-30.5pp |
| Annual return | 22.91% | 26.58%-3.7pp | 753.11%-730.2pp | 81.01%-58.1pp |
| Employer contribution / active EE | $671 | $692-3.0% | $1,084-38.1% | $2,440-72.5% |
| Participant deferral / active EE | $1,530 | $1,272+20.3% | $1,963-22.1% | $3,608-57.6% |
| Admin fee / account holder | $484 | $2,125-77.2% | $3,335-85.5% | $5,124-90.6% |