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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 | $83,230 | $29,716+180.1% | $56,077+48.4% | $80,925+2.8% |
| Participation rate | 30.8% | 41.7%-10.9pp | 52.5%-21.7pp | 67.7%-36.9pp |
| Annual return | 12.71% | 35.30%-22.6pp | 1709.28%-1696.6pp | 35.65%-22.9pp |
| Employer contribution / active EE | $923 | $671+37.5% | $1,040-11.3% | $2,756-66.5% |
| Participant deferral / active EE | $3,976 | $1,228+223.6% | $1,954+103.5% | $4,299-7.5% |
| Admin fee / account holder | $303 | $2,432-87.5% | $2,825-89.3% | $6,940-95.6% |