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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 | $33,192 | $85,766-61.3% | $136,298-75.6% | $70,126-52.7% |
| Participation rate | 41.7% | 74.2%-32.5pp | 81.9%-40.3pp | 69.5%-27.9pp |
| Annual return | 16.44% | 31.46%-15.0pp | 5156.27%-5139.8pp | 73.15%-56.7pp |
| Employer contribution / active EE | $1,394 | $2,966-53.0% | $4,696-70.3% | $2,343-40.5% |
| Participant deferral / active EE | $2,878 | $5,051-43.0% | $6,247-53.9% | $3,332-13.6% |
| Admin fee / account holder | $13,638 | $5,421+151.6% | $9,244+47.5% | $4,645+193.6% |