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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 | $56,320 | $27,936+101.6% | $58,561-3.8% | $75,173-25.1% |
| Participation rate | 35.6% | 38.8%-3.3pp | 50.9%-15.3pp | 67.2%-31.6pp |
| Annual return | 22.69% | 44.21%-21.5pp | 4251.33%-4228.6pp | 160.72%-138.0pp |
| Employer contribution / active EE | $112 | $670-83.3% | $1,053-89.4% | $2,671-95.8% |
| Participant deferral / active EE | $486 | $1,202-59.5% | $1,923-74.7% | $4,126-88.2% |
| Admin fee / account holder | $677 | $1,727-60.8% | $2,520-73.1% | $5,651-88.0% |