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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 | $39,222 | $57,352-31.6% | $83,831-53.2% | $64,173-38.9% |
| Participation rate | 34.3% | 68.6%-34.3pp | 76.1%-41.9pp | 69.6%-35.3pp |
| Annual return | 27.16% | 11.38%+15.8pp | 850.99%-823.8pp | 7.63%+19.5pp |
| Employer contribution / active EE | $856 | $2,546-66.4% | $3,631-76.4% | $2,381-64.1% |
| Participant deferral / active EE | $1,471 | $2,993-50.9% | $4,082-64.0% | $3,470-57.6% |
| Admin fee / account holder | $1,890 | $4,046-53.3% | $5,479-65.5% | $4,887-61.3% |