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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 | $34,710 | $100,139-65.3% | $85,187-59.3% | $145,884-76.2% |
| Participation rate | 64.3% | 74.1%-9.8pp | 67.5%-3.2pp | 80.3%-16.0pp |
| Annual return | 11.22% | 84.15%-72.9pp | 66.67%-55.4pp | 551.85%-540.6pp |
| Employer contribution / active EE | $1,260 | $3,238-61.1% | $2,732-53.9% | $4,662-73.0% |
| Participant deferral / active EE | $1,624 | $5,296-69.3% | $4,525-64.1% | $6,690-75.7% |
| Admin fee / account holder | $5,223 | $7,262-28.1% | $6,162-15.2% | $13,392-61.0% |