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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 | $50,448 | $110,039-54.2% | $97,260-48.1% | $145,884-65.4% |
| Participation rate | 66.7% | 75.9%-9.3pp | 72.7%-6.0pp | 80.3%-13.6pp |
| Annual return | 17.25% | 244.44%-227.2pp | 75.54%-58.3pp | 551.85%-534.6pp |
| Employer contribution / active EE | $3,194 | $3,074+3.9% | $2,721+17.4% | $4,662-31.5% |
| Participant deferral / active EE | $1,597 | $4,674-65.8% | $4,262-62.5% | $6,690-76.1% |
| Admin fee / account holder | $1,678 | $6,204-72.9% | $5,640-70.2% | $13,392-87.5% |