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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 | $59,000 | $58,828+0.3% | $78,002-24.4% | $62,881-6.2% |
| Participation rate | 0.0% | 71.1%-71.1pp | 75.5%-75.5pp | 69.3%-69.3pp |
| Annual return | 7.88% | 17.16%-9.3pp | 425.99%-418.1pp | 20.14%-12.3pp |
| Employer contribution / active EE | $7,050 | $1,672+321.7% | $2,470+185.4% | $2,281+209.1% |
| Participant deferral / active EE | $5,507 | $2,686+105.1% | $3,497+57.5% | $3,203+71.9% |
| Admin fee / account holder | $1,365 | $4,393-68.9% | $5,481-75.1% | $4,296-68.2% |