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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 | $41,949 | $102,385-59.0% | $147,080-71.5% | $80,935-48.2% |
| Participation rate | 44.0% | 75.9%-31.9pp | 82.2%-38.2pp | 67.7%-23.7pp |
| Annual return | 14.40% | 135.09%-120.7pp | 420.17%-405.8pp | 35.66%-21.3pp |
| Employer contribution / active EE | $1,832 | $3,717-50.7% | $4,933-62.9% | $2,757-33.6% |
| Participant deferral / active EE | $3,455 | $6,651-48.1% | $8,066-57.2% | $4,299-19.6% |
| Admin fee / account holder | $1,063 | $7,951-86.6% | $12,989-91.8% | $6,924-84.6% |