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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 | $48,026 | $29,319+63.8% | $52,425-8.4% | $82,448-41.7% |
| Participation rate | 48.1% | 46.9%+1.3pp | 55.6%-7.5pp | 68.1%-19.9pp |
| Annual return | 15.39% | 535.20%-519.8pp | 302.12%-286.7pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,227 | $586+109.3% | $914+34.2% | $2,551-51.9% |
| Participant deferral / active EE | $2,253 | $1,171+92.3% | $1,790+25.8% | $4,139-45.6% |
| Admin fee / account holder | $1,189 | $1,962-39.4% | $2,495-52.3% | $7,234-83.6% |