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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 | $65,275 | $54,558+19.6% | $76,002-14.1% | $74,546-12.4% |
| Participation rate | 30.6% | 60.3%-29.7pp | 69.1%-38.5pp | 67.2%-36.6pp |
| Annual return | 19.18% | 31.83%-12.7pp | 360.07%-340.9pp | 1366.03%-1346.8pp |
| Employer contribution / active EE | $668 | $1,778-62.4% | $2,688-75.1% | $2,624-74.5% |
| Participant deferral / active EE | $1,501 | $3,065-51.0% | $4,257-64.7% | $4,347-65.5% |
| Admin fee / account holder | $1,751 | $2,232-21.5% | $6,414-72.7% | $1,944-9.9% |