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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 | $34,551 | $79,045-56.3% | $100,378-65.6% | $74,429-53.6% |
| Participation rate | 68.2% | 79.4%-11.2pp | 81.5%-13.3pp | 67.2%+1.0pp |
| Annual return | 15.25% | 20.61%-5.4pp | 49.41%-34.2pp | 1368.38%-1353.1pp |
| Employer contribution / active EE | $982 | $3,015-67.4% | $3,942-75.1% | $2,625-62.6% |
| Participant deferral / active EE | $3,990 | $7,751-48.5% | $8,087-50.7% | $4,348-8.2% |
| Admin fee / account holder | $3,187 | $1,335+138.7% | $7,899-59.7% | $1,944+63.9% |