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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 | $9,509 | $23,330-59.2% | $64,489-85.3% | $82,448-88.5% |
| Participation rate | 69.4% | 68.3%+1.1pp | 67.7%+1.7pp | 68.1%+1.3pp |
| Annual return | 19.02% | 83.66%-64.6pp | 55.03%-36.0pp | 41.64%-22.6pp |
| Employer contribution / active EE | $1,384 | $824+67.9% | $1,523-9.1% | $2,551-45.7% |
| Participant deferral / active EE | $2,161 | $1,707+26.6% | $2,778-22.2% | $4,139-47.8% |
| Admin fee / account holder | $2,648 | $2,946-10.1% | $4,260-37.8% | $7,234-63.4% |