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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 | $22,811 | $70,587-67.7% | $124,693-81.7% | $85,847-73.4% |
| Participation rate | 66.7% | 64.4%+2.3pp | 74.6%-7.9pp | 69.3%-2.7pp |
| Annual return | 16.88% | 20688.83%-20671.9pp | 5144.19%-5127.3pp | 318.61%-301.7pp |
| Employer contribution / active EE | $1,145 | $1,913-40.2% | $3,324-65.6% | $2,565-55.4% |
| Participant deferral / active EE | $2,240 | $2,969-24.6% | $4,615-51.5% | $3,952-43.3% |
| Admin fee / account holder | $2,302 | $5,282-56.4% | $7,494-69.3% | $6,261-63.2% |