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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 | $26,344 | $45,119-41.6% | $85,126-69.1% | $74,429-64.6% |
| Participation rate | 21.3% | 49.4%-28.0pp | 67.5%-46.2pp | 67.2%-45.9pp |
| Annual return | 15.07% | 26.28%-11.2pp | 66.63%-51.6pp | 1368.38%-1353.3pp |
| Employer contribution / active EE | $236 | $1,460-83.8% | $2,731-91.4% | $2,625-91.0% |
| Participant deferral / active EE | $786 | $2,738-71.3% | $4,523-82.6% | $4,348-81.9% |
| Admin fee / account holder | $3,662 | $2,214+65.4% | $6,160-40.6% | $1,944+88.4% |