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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 | $28,155 | $29,733-5.3% | $56,025-49.7% | $80,959-65.2% |
| Participation rate | 19.6% | 41.7%-22.2pp | 52.5%-32.9pp | 67.7%-48.1pp |
| Annual return | 10.73% | 35.28%-24.6pp | 1712.69%-1702.0pp | 35.67%-24.9pp |
| Employer contribution / active EE | $416 | $672-38.0% | $1,042-60.0% | $2,757-84.9% |
| Participant deferral / active EE | $498 | $1,229-59.5% | $1,955-74.5% | $4,300-88.4% |
| Admin fee / account holder | $324 | $2,434-86.7% | $2,828-88.5% | $6,925-95.3% |