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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 | $118,211 | $29,670+298.4% | $56,054+110.9% | $80,911+46.1% |
| Participation rate | 16.7% | 41.7%-25.0pp | 52.5%-35.8pp | 67.6%-51.0pp |
| Annual return | 17.21% | 35.24%-18.0pp | 1705.95%-1688.7pp | 35.63%-18.4pp |
| Employer contribution / active EE | $1,017 | $670+51.8% | $1,039-2.2% | $2,756-63.1% |
| Participant deferral / active EE | $2,292 | $1,227+86.8% | $1,952+17.4% | $4,297-46.7% |
| Admin fee / account holder | $968 | $2,431-60.2% | $2,822-65.7% | $6,935-86.0% |