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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 | $22,641 | $49,976-54.7% | $66,674-66.0% | $82,637-72.6% |
| Participation rate | 60.5% | 63.1%-2.6pp | 73.7%-13.1pp | 68.1%-7.5pp |
| Annual return | 22.06% | 39.09%-17.0pp | 321.24%-299.2pp | 53.51%-31.4pp |
| Employer contribution / active EE | $848 | $1,988-57.3% | $2,620-67.6% | $2,552-66.8% |
| Participant deferral / active EE | $1,571 | $2,847-44.8% | $4,084-61.5% | $4,126-61.9% |
| Admin fee / account holder | $806 | $4,594-82.4% | $5,098-84.2% | $7,339-89.0% |