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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 | $21,226 | $34,932-39.2% | $56,441-62.4% | $74,546-71.5% |
| Participation rate | 38.6% | 32.9%+5.8pp | 52.5%-13.9pp | 67.2%-28.6pp |
| Annual return | 13.20% | 24.90%-11.7pp | 1704.21%-1691.0pp | 1366.03%-1352.8pp |
| Employer contribution / active EE | $494 | $608-18.8% | $1,039-52.4% | $2,624-81.2% |
| Participant deferral / active EE | $587 | $1,173-49.9% | $1,953-69.9% | $4,347-86.5% |
| Admin fee / account holder | $2,070 | $2,359-12.3% | $2,829-26.8% | $1,944+6.5% |