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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 | $56,867 | $52,353+8.6% | $120,225-52.7% | $82,448-31.0% |
| Participation rate | 58.1% | 58.3%-0.2pp | 69.6%-11.5pp | 68.1%-10.0pp |
| Annual return | 17.45% | 61.85%-44.4pp | 439.23%-421.8pp | 41.64%-24.2pp |
| Employer contribution / active EE | $711 | $1,510-52.9% | $3,475-79.5% | $2,551-72.1% |
| Participant deferral / active EE | $1,674 | $2,627-36.3% | $3,999-58.1% | $4,139-59.6% |
| Admin fee / account holder | $504 | $4,363-88.4% | $5,696-91.2% | $7,234-93.0% |