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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 | $43,154 | $29,733+45.1% | $56,025-23.0% | $80,959-46.7% |
| Participation rate | 21.6% | 41.7%-20.1pp | 52.5%-30.9pp | 67.7%-46.1pp |
| Annual return | 15.29% | 35.28%-20.0pp | 1712.69%-1697.4pp | 35.67%-20.4pp |
| Employer contribution / active EE | $729 | $672+8.5% | $1,042-30.0% | $2,757-73.6% |
| Participant deferral / active EE | $1,663 | $1,229+35.3% | $1,955-14.9% | $4,300-61.3% |
| Admin fee / account holder | $637 | $2,434-73.8% | $2,828-77.5% | $6,925-90.8% |