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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 | $34,902 | $183,592-81.0% | $155,567-77.6% | $145,959-76.1% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 9.20% | 61.24%-52.0pp | 64.74%-55.5pp | 561.95%-552.8pp |
| Employer contribution / active EE | $1,972 | $5,315-62.9% | $4,674-57.8% | $4,661-57.7% |
| Participant deferral / active EE | $4,576 | $6,464-29.2% | $5,628-18.7% | $6,689-31.6% |
| Admin fee / account holder | $2,226 | $19,318-88.5% | $15,916-86.0% | $13,398-83.4% |