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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 | $17,254 | $103,008-83.2% | $90,304-80.9% | $152,897-88.7% |
| Participation rate | 68.8% | 75.9%-7.1pp | 73.3%-4.5pp | 82.5%-13.7pp |
| Annual return | 22.32% | 95.22%-72.9pp | 78.13%-55.8pp | 345.43%-323.1pp |
| Employer contribution / active EE | $640 | $3,139-79.6% | $2,855-77.6% | $4,764-86.6% |
| Participant deferral / active EE | $2,251 | $4,281-47.4% | $3,885-42.1% | $5,851-61.5% |
| Admin fee / account holder | $2,453 | $6,175-60.3% | $5,354-54.2% | $11,599-78.9% |