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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 | $96,161 | $99,995-3.8% | $85,063+13.0% | $145,978-34.1% |
| Participation rate | 60.9% | 74.1%-13.2pp | 67.5%-6.6pp | 80.3%-19.4pp |
| Annual return | 8.55% | 83.99%-75.4pp | 66.54%-58.0pp | 550.52%-542.0pp |
| Employer contribution / active EE | $1,563 | $3,231-51.6% | $2,727-42.7% | $4,662-66.5% |
| Participant deferral / active EE | $5,781 | $5,295+9.2% | $4,523+27.8% | $6,690-13.6% |
| Admin fee / account holder | $525 | $7,255-92.8% | $6,155-91.5% | $13,400-96.1% |