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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 | $19,103 | $65,555-70.9% | $86,216-77.8% | $75,173-74.6% |
| Participation rate | 62.5% | 60.5%+2.0pp | 69.0%-6.5pp | 67.2%-4.7pp |
| Annual return | 18.48% | 46.07%-27.6pp | 1169.42%-1150.9pp | 160.72%-142.2pp |
| Employer contribution / active EE | $1,194 | $1,553-23.1% | $2,382-49.9% | $2,671-55.3% |
| Participant deferral / active EE | $2,357 | $3,023-22.1% | $3,986-40.9% | $4,126-42.9% |
| Admin fee / account holder | $469 | $5,469-91.4% | $6,853-93.2% | $5,651-91.7% |