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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 | $3,088 | $24,891-87.6% | $69,611-95.6% | $74,429-95.9% |
| Participation rate | 61.7% | 63.4%-1.8pp | 66.4%-4.8pp | 67.2%-5.5pp |
| Annual return | 18.50% | 18.53%0pp | 101.14%-82.6pp | 1368.38%-1349.9pp |
| Employer contribution / active EE | $471 | $1,005-53.1% | $1,709-72.4% | $2,625-82.1% |
| Participant deferral / active EE | $882 | $1,908-53.8% | $2,891-69.5% | $4,348-79.7% |
| Admin fee / account holder | $827 | $1,904-56.6% | $4,696-82.4% | $1,944-57.5% |