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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 | $48,086 | $111,878-57.0% | $93,727-48.7% | $145,897-67.0% |
| Participation rate | 60.0% | 74.2%-14.2pp | 68.7%-8.7pp | 80.3%-20.3pp |
| Annual return | 10.84% | 204.28%-193.4pp | 133.83%-123.0pp | 552.29%-541.5pp |
| Employer contribution / active EE | $3,302 | $3,092+6.8% | $2,421+36.4% | $4,663-29.2% |
| Participant deferral / active EE | $5,656 | $4,920+14.9% | $4,417+28.0% | $6,689-15.5% |
| Admin fee / account holder | $530 | $10,256-94.8% | $8,292-93.6% | $13,390-96.0% |