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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 | $152,353 | $29,319+419.6% | $52,425+190.6% | $82,448+84.8% |
| Participation rate | 19.2% | 46.9%-27.6pp | 55.6%-36.4pp | 68.1%-48.8pp |
| Annual return | 20.51% | 535.20%-514.7pp | 302.12%-281.6pp | 41.64%-21.1pp |
| Employer contribution / active EE | $562 | $586-4.1% | $914-38.5% | $2,551-78.0% |
| Participant deferral / active EE | $2,076 | $1,171+77.3% | $1,790+16.0% | $4,139-49.8% |
| Admin fee / account holder | $3,220 | $1,962+64.1% | $2,495+29.1% | $7,234-55.5% |