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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 | $14,218 | $162,529-91.3% | $130,788-89.1% | $154,746-90.8% |
| Participation rate | 47.4% | 75.9%-28.5pp | 70.1%-22.7pp | 80.7%-33.3pp |
| Annual return | 14.38% | 510.48%-496.1pp | 386.44%-372.1pp | 172.34%-158.0pp |
| Employer contribution / active EE | $245 | $4,447-94.5% | $3,558-93.1% | $4,379-94.4% |
| Participant deferral / active EE | $1,499 | $4,808-68.8% | $4,137-63.8% | $6,730-77.7% |
| Admin fee / account holder | $2,879 | $7,669-62.5% | $6,673-56.9% | $14,365-80.0% |