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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 | $18,518 | $80,812-77.1% | $160,784-88.5% | $82,448-77.5% |
| Participation rate | 39.4% | 66.2%-26.8pp | 77.0%-37.6pp | 68.1%-28.7pp |
| Annual return | 19.89% | 100.59%-80.7pp | 1803.92%-1784.0pp | 41.64%-21.8pp |
| Employer contribution / active EE | $830 | $2,174-61.8% | $3,733-77.8% | $2,551-67.5% |
| Participant deferral / active EE | $1,598 | $4,335-63.1% | $6,293-74.6% | $4,139-61.4% |
| Admin fee / account holder | $1,051 | $7,695-86.3% | $9,717-89.2% | $7,234-85.5% |