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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 | $45,804 | $29,319+56.2% | $52,425-12.6% | $82,448-44.4% |
| Participation rate | 66.7% | 46.9%+19.8pp | 55.6%+11.0pp | 68.1%-1.4pp |
| Annual return | 27.46% | 535.20%-507.7pp | 302.12%-274.7pp | 41.64%-14.2pp |
| Employer contribution / active EE | $832 | $586+41.9% | $914-9.0% | $2,551-67.4% |
| Participant deferral / active EE | $2,791 | $1,171+138.3% | $1,790+55.9% | $4,139-32.6% |
| Admin fee / account holder | $2,574 | $1,962+31.2% | $2,495+3.2% | $7,234-64.4% |