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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 | $27,235 | $30,385-10.4% | $56,054-51.4% | $74,400-63.4% |
| Participation rate | 61.4% | 32.9%+28.5pp | 52.5%+8.9pp | 67.2%-5.8pp |
| Annual return | 14.25% | 24.92%-10.7pp | 1705.95%-1691.7pp | 1367.51%-1353.3pp |
| Employer contribution / active EE | $1,248 | $609+105.0% | $1,039+20.2% | $2,624-52.4% |
| Participant deferral / active EE | $2,460 | $1,174+109.6% | $1,952+26.0% | $4,348-43.4% |
| Admin fee / account holder | $1,591 | $2,361-32.6% | $2,822-43.6% | $1,944-18.1% |