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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 | $79,413 | $106,918-25.7% | $84,021-5.5% | $152,897-48.1% |
| Participation rate | 44.4% | 75.2%-30.8pp | 69.0%-24.6pp | 82.5%-38.0pp |
| Annual return | 8.79% | 105.01%-96.2pp | 71.32%-62.5pp | 345.43%-336.6pp |
| Employer contribution / active EE | $0 | $2,735-100.0% | $1,984-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,480 | $4,012-63.1% | $3,239-54.3% | $5,851-74.7% |
| Admin fee / account holder | $322 | $8,288-96.1% | $6,102-94.7% | $11,599-97.2% |