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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 | $41,945 | $85,766-51.1% | $136,298-69.2% | $70,126-40.2% |
| Participation rate | 54.1% | 74.2%-20.1pp | 81.9%-27.9pp | 69.5%-15.5pp |
| Annual return | 17.09% | 31.46%-14.4pp | 5156.27%-5139.2pp | 73.15%-56.1pp |
| Employer contribution / active EE | $1,375 | $2,966-53.6% | $4,696-70.7% | $2,343-41.3% |
| Participant deferral / active EE | $2,992 | $5,051-40.8% | $6,247-52.1% | $3,332-10.2% |
| Admin fee / account holder | $655 | $5,421-87.9% | $9,244-92.9% | $4,645-85.9% |