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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 | $33,563 | $29,733+12.9% | $56,025-40.1% | $80,959-58.5% |
| Participation rate | 16.0% | 41.7%-25.7pp | 52.5%-36.5pp | 67.7%-51.7pp |
| Annual return | 16.07% | 35.28%-19.2pp | 1712.69%-1696.6pp | 35.67%-19.6pp |
| Employer contribution / active EE | $388 | $672-42.3% | $1,042-62.8% | $2,757-85.9% |
| Participant deferral / active EE | $1,178 | $1,229-4.2% | $1,955-39.7% | $4,300-72.6% |
| Admin fee / account holder | $1,017 | $2,434-58.2% | $2,828-64.0% | $6,925-85.3% |