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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 | $10,365 | $51,638-79.9% | $68,368-84.8% | $82,448-87.4% |
| Participation rate | 38.7% | 63.6%-24.9pp | 73.8%-35.0pp | 68.1%-29.4pp |
| Annual return | 17.66% | 37.53%-19.9pp | 292.57%-274.9pp | 41.64%-24.0pp |
| Employer contribution / active EE | $637 | $2,047-68.9% | $2,649-75.9% | $2,551-75.0% |
| Participant deferral / active EE | $1,580 | $2,914-45.8% | $4,123-61.7% | $4,139-61.8% |
| Admin fee / account holder | $1,370 | $4,643-70.5% | $5,150-73.4% | $7,234-81.1% |