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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 | $99,245 | $28,624+246.7% | $53,647+85.0% | $82,637+20.1% |
| Participation rate | 52.2% | 47.3%+4.9pp | 56.3%-4.1pp | 68.1%-15.9pp |
| Annual return | 15.44% | 664.98%-649.5pp | 358.33%-342.9pp | 53.51%-38.1pp |
| Employer contribution / active EE | $369 | $637-42.0% | $962-61.6% | $2,552-85.5% |
| Participant deferral / active EE | $1,186 | $1,196-0.8% | $1,813-34.6% | $4,126-71.3% |
| Admin fee / account holder | $2,128 | $2,022+5.3% | $2,460-13.5% | $7,339-71.0% |