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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 | $42,972 | $45,119-4.8% | $85,126-49.5% | $74,429-42.3% |
| Participation rate | 40.7% | 49.4%-8.6pp | 67.5%-26.8pp | 67.2%-26.5pp |
| Annual return | 26.70% | 26.28%+0.4pp | 66.63%-39.9pp | 1368.38%-1341.7pp |
| Employer contribution / active EE | $1,166 | $1,460-20.1% | $2,731-57.3% | $2,625-55.6% |
| Participant deferral / active EE | $1,626 | $2,738-40.6% | $4,523-64.1% | $4,348-62.6% |
| Admin fee / account holder | $1,181 | $2,214-46.7% | $6,160-80.8% | $1,944-39.3% |