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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 | $34,307 | $29,670+15.6% | $56,054-38.8% | $80,911-57.6% |
| Participation rate | 14.8% | 41.7%-26.9pp | 52.5%-37.7pp | 67.6%-52.8pp |
| Annual return | 12.66% | 35.24%-22.6pp | 1705.95%-1693.3pp | 35.63%-23.0pp |
| Employer contribution / active EE | $339 | $670-49.4% | $1,039-67.4% | $2,756-87.7% |
| Participant deferral / active EE | $728 | $1,227-40.7% | $1,952-62.7% | $4,297-83.1% |
| Admin fee / account holder | $1,072 | $2,431-55.9% | $2,822-62.0% | $6,935-84.5% |