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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 | $42,323 | $59,402-28.8% | $93,654-54.8% | $74,546-43.2% |
| Participation rate | 31.4% | 59.7%-28.3pp | 68.7%-37.3pp | 67.2%-35.8pp |
| Annual return | 18.86% | 81.86%-63.0pp | 133.34%-114.5pp | 1366.03%-1347.2pp |
| Employer contribution / active EE | $639 | $1,265-49.5% | $2,421-73.6% | $2,624-75.7% |
| Participant deferral / active EE | $1,376 | $3,049-54.9% | $4,413-68.8% | $4,347-68.4% |
| Admin fee / account holder | $2,667 | $3,023-11.8% | $8,282-67.8% | $1,944+37.2% |