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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 | $61,293 | $27,243+125.0% | $52,425+16.9% | $79,634-23.0% |
| Participation rate | 3.6% | 22.4%-18.8pp | 55.6%-52.0pp | 62.5%-58.9pp |
| Annual return | 22.37% | 63.36%-41.0pp | 302.12%-279.7pp | 36.46%-14.1pp |
| Employer contribution / active EE | $180 | $319-43.6% | $914-80.3% | $2,529-92.9% |
| Participant deferral / active EE | $379 | $636-40.4% | $1,790-78.8% | $3,835-90.1% |
| Admin fee / account holder | $640 | $2,105-69.6% | $2,495-74.3% | $1,002-36.1% |