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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 | $63,088 | $176,077-64.2% | $159,455-60.4% | $167,518-62.3% |
| Participation rate | 59.1% | 84.9%-25.9pp | 82.8%-23.7pp | 82.1%-23.0pp |
| Annual return | 15.36% | 331.83%-316.5pp | 263.63%-248.3pp | 478.71%-463.4pp |
| Employer contribution / active EE | $2,099 | $5,298-60.4% | $4,830-56.5% | $4,838-56.6% |
| Participant deferral / active EE | $4,559 | $7,751-41.2% | $7,353-38.0% | $6,342-28.1% |
| Admin fee / account holder | $2,527 | $12,556-79.9% | $10,800-76.6% | $12,312-79.5% |