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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 | $16,658 | $85,171-80.4% | $172,752-90.4% | $72,975-77.2% |
| Participation rate | 49.3% | 70.1%-20.8pp | 82.6%-33.4pp | 69.5%-20.2pp |
| Annual return | 22.70% | 27.32%-4.6pp | 802.97%-780.3pp | 81.01%-58.3pp |
| Employer contribution / active EE | $544 | $3,324-83.6% | $5,144-89.4% | $2,440-77.7% |
| Participant deferral / active EE | $1,257 | $3,260-61.5% | $5,198-75.8% | $3,608-65.2% |
| Admin fee / account holder | $1,734 | $5,880-70.5% | $13,955-87.6% | $5,124-66.2% |