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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 | $102,543 | $29,733+244.9% | $56,025+83.0% | $80,959+26.7% |
| Participation rate | 51.9% | 41.7%+10.1pp | 52.5%-0.7pp | 67.7%-15.8pp |
| Annual return | 11.01% | 35.28%-24.3pp | 1712.69%-1701.7pp | 35.67%-24.7pp |
| Employer contribution / active EE | $792 | $672+17.9% | $1,042-23.9% | $2,757-71.3% |
| Participant deferral / active EE | $2,846 | $1,229+131.5% | $1,955+45.6% | $4,300-33.8% |
| Admin fee / account holder | $4,020 | $2,434+65.2% | $2,828+42.1% | $6,925-42.0% |