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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 | $28,997 | $27,800+4.3% | $58,507-50.4% | $71,529-59.5% |
| Participation rate | 23.6% | 34.6%-11.0pp | 50.9%-27.3pp | 67.9%-44.4pp |
| Annual return | 22.13% | 26.80%-4.7pp | 4252.32%-4230.2pp | 28.97%-6.8pp |
| Employer contribution / active EE | $573 | $632-9.2% | $1,053-45.6% | $2,590-77.9% |
| Participant deferral / active EE | $937 | $1,208-22.5% | $1,922-51.3% | $4,291-78.2% |
| Admin fee / account holder | $523 | $1,637-68.1% | $2,486-79.0% | $1,588-67.1% |