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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 | $46,737 | $27,936+67.3% | $58,561-20.2% | $75,173-37.8% |
| Participation rate | 19.0% | 38.8%-19.8pp | 50.9%-31.8pp | 67.2%-48.2pp |
| Annual return | 17.91% | 44.21%-26.3pp | 4251.33%-4233.4pp | 160.72%-142.8pp |
| Employer contribution / active EE | $382 | $670-43.0% | $1,053-63.7% | $2,671-85.7% |
| Participant deferral / active EE | $1,273 | $1,202+5.9% | $1,923-33.8% | $4,126-69.1% |
| Admin fee / account holder | $1,621 | $1,727-6.1% | $2,520-35.7% | $5,651-71.3% |