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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 | $36,144 | $29,733+21.6% | $56,025-35.5% | $80,959-55.4% |
| Participation rate | 26.6% | 41.7%-15.2pp | 52.5%-25.9pp | 67.7%-41.1pp |
| Annual return | 14.96% | 35.28%-20.3pp | 1712.69%-1697.7pp | 35.67%-20.7pp |
| Employer contribution / active EE | $623 | $672-7.2% | $1,042-40.2% | $2,757-77.4% |
| Participant deferral / active EE | $2,304 | $1,229+87.4% | $1,955+17.9% | $4,300-46.4% |
| Admin fee / account holder | $589 | $2,434-75.8% | $2,828-79.2% | $6,925-91.5% |