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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 | $10,718 | $90,397-88.1% | $76,002-85.9% | $145,959-92.7% |
| Participation rate | 38.9% | 74.5%-35.6pp | 69.1%-30.2pp | 80.3%-41.4pp |
| Annual return | 13.87% | 621.97%-608.1pp | 360.07%-346.2pp | 561.95%-548.1pp |
| Employer contribution / active EE | $962 | $3,317-71.0% | $2,688-64.2% | $4,661-79.4% |
| Participant deferral / active EE | $2,289 | $5,163-55.7% | $4,257-46.2% | $6,689-65.8% |
| Admin fee / account holder | $1,071 | $8,369-87.2% | $6,414-83.3% | $13,398-92.0% |