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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 | $3,106 | $24,891-87.5% | $69,623-95.5% | $74,459-95.8% |
| Participation rate | 66.9% | 63.4%+3.5pp | 66.4%+0.5pp | 67.2%-0.3pp |
| Annual return | 19.81% | 18.53%+1.3pp | 101.23%-81.4pp | 1369.70%-1349.9pp |
| Employer contribution / active EE | $469 | $1,005-53.3% | $1,709-72.5% | $2,626-82.1% |
| Participant deferral / active EE | $1,034 | $1,908-45.8% | $2,890-64.2% | $4,350-76.2% |
| Admin fee / account holder | $815 | $1,904-57.2% | $4,696-82.7% | $1,945-58.1% |