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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 | $34,634 | $29,670+16.7% | $56,054-38.2% | $80,911-57.2% |
| Participation rate | 51.9% | 41.7%+10.2pp | 52.5%-0.6pp | 67.6%-15.8pp |
| Annual return | 12.42% | 35.24%-22.8pp | 1705.95%-1693.5pp | 35.63%-23.2pp |
| Employer contribution / active EE | $837 | $670+25.0% | $1,039-19.4% | $2,756-69.6% |
| Participant deferral / active EE | $3,472 | $1,227+183.0% | $1,952+77.8% | $4,297-19.2% |
| Admin fee / account holder | $981 | $2,431-59.6% | $2,822-65.2% | $6,935-85.9% |