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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 | $24,989 | $29,319-14.8% | $52,425-52.3% | $82,448-69.7% |
| Participation rate | 12.7% | 46.9%-34.2pp | 55.6%-42.9pp | 68.1%-55.4pp |
| Annual return | 18.90% | 535.20%-516.3pp | 302.12%-283.2pp | 41.64%-22.7pp |
| Employer contribution / active EE | $295 | $586-49.7% | $914-67.7% | $2,551-88.4% |
| Participant deferral / active EE | $857 | $1,171-26.9% | $1,790-52.2% | $4,139-79.3% |
| Admin fee / account holder | $1,530 | $1,962-22.0% | $2,495-38.7% | $7,234-78.8% |