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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 | $54,659 | $29,319+86.4% | $52,425+4.3% | $82,448-33.7% |
| Participation rate | 19.4% | 46.9%-27.4pp | 55.6%-36.2pp | 68.1%-48.6pp |
| Annual return | 25.33% | 535.20%-509.9pp | 302.12%-276.8pp | 41.64%-16.3pp |
| Employer contribution / active EE | $287 | $586-51.1% | $914-68.6% | $2,551-88.8% |
| Participant deferral / active EE | $1,829 | $1,171+56.1% | $1,790+2.1% | $4,139-55.8% |
| Admin fee / account holder | $428 | $1,962-78.2% | $2,495-82.9% | $7,234-94.1% |