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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 | $42,451 | $27,800+52.7% | $58,561-27.5% | $71,511-40.6% |
| Participation rate | 25.9% | 34.6%-8.7pp | 50.9%-25.0pp | 67.9%-42.1pp |
| Annual return | 21.36% | 26.80%-5.4pp | 4251.33%-4230.0pp | 28.86%-7.5pp |
| Employer contribution / active EE | $1,116 | $632+76.7% | $1,053+5.9% | $2,589-56.9% |
| Participant deferral / active EE | $1,355 | $1,208+12.1% | $1,923-29.6% | $4,291-68.4% |
| Admin fee / account holder | $939 | $1,637-42.7% | $2,520-62.8% | $1,588-40.9% |