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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 | $77,407 | $29,319+164.0% | $52,425+47.7% | $82,448-6.1% |
| Participation rate | 20.7% | 46.9%-26.2pp | 55.6%-34.9pp | 68.1%-47.4pp |
| Annual return | 50.28% | 535.20%-484.9pp | 302.12%-251.8pp | 41.64%+8.6pp |
| Employer contribution / active EE | $414 | $586-29.3% | $914-54.7% | $2,551-83.8% |
| Participant deferral / active EE | $1,434 | $1,171+22.4% | $1,790-19.9% | $4,139-65.4% |
| Admin fee / account holder | $7,995 | $1,962+307.5% | $2,495+220.4% | $7,234+10.5% |