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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 | $30,112 | $55,446-45.7% | $155,574-80.6% | $74,429-59.5% |
| Participation rate | 59.3% | 61.9%-2.6pp | 78.2%-19.0pp | 67.2%-8.0pp |
| Annual return | 12.86% | 269.20%-256.3pp | 64.87%-52.0pp | 1368.38%-1355.5pp |
| Employer contribution / active EE | $875 | $2,266-61.4% | $4,676-81.3% | $2,625-66.7% |
| Participant deferral / active EE | $1,904 | $2,836-32.9% | $5,629-66.2% | $4,348-56.2% |
| Admin fee / account holder | $3,795 | $1,743+117.8% | $15,914-76.2% | $1,944+95.2% |