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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 | $40,395 | $29,736+35.8% | $56,033-27.9% | $80,935-50.1% |
| Participation rate | 27.8% | 41.7%-13.9pp | 52.5%-24.7pp | 67.7%-39.9pp |
| Annual return | 14.72% | 35.28%-20.6pp | 1711.38%-1696.7pp | 35.66%-20.9pp |
| Employer contribution / active EE | $593 | $671-11.6% | $1,041-43.0% | $2,757-78.5% |
| Participant deferral / active EE | $2,295 | $1,228+86.8% | $1,954+17.4% | $4,299-46.6% |
| Admin fee / account holder | $1,111 | $2,434-54.4% | $2,827-60.7% | $6,924-84.0% |