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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 | $15,687 | $45,119-65.2% | $85,126-81.6% | $74,429-78.9% |
| Participation rate | 54.6% | 49.4%+5.3pp | 67.5%-12.9pp | 67.2%-12.6pp |
| Annual return | 32.34% | 26.28%+6.1pp | 66.63%-34.3pp | 1368.38%-1336.0pp |
| Employer contribution / active EE | $1,076 | $1,460-26.3% | $2,731-60.6% | $2,625-59.0% |
| Participant deferral / active EE | $2,450 | $2,738-10.5% | $4,523-45.8% | $4,348-43.7% |
| Admin fee / account holder | $810 | $2,214-63.4% | $6,160-86.8% | $1,944-58.3% |