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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 | $31,648 | $95,406-66.8% | $185,849-83.0% | $85,847-63.1% |
| Participation rate | 25.9% | 68.8%-42.8pp | 81.7%-55.8pp | 69.3%-43.4pp |
| Annual return | 17.25% | 23.59%-6.3pp | 122.10%-104.9pp | 318.61%-301.4pp |
| Employer contribution / active EE | $977 | $3,314-70.5% | $5,169-81.1% | $2,565-61.9% |
| Participant deferral / active EE | $1,516 | $3,424-55.7% | $5,569-72.8% | $3,952-61.7% |
| Admin fee / account holder | $2,962 | $7,214-58.9% | $16,244-81.8% | $6,261-52.7% |