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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 | $62,650 | $77,449-19.1% | $69,483-9.8% | $152,909-59.0% |
| Participation rate | 50.0% | 78.1%-28.1pp | 74.6%-24.6pp | 82.5%-32.5pp |
| Annual return | 13.79% | 39.09%-25.3pp | 28.99%-15.2pp | 345.46%-331.7pp |
| Employer contribution / active EE | $2,180 | $3,316-34.2% | $2,780-21.6% | $4,764-54.2% |
| Participant deferral / active EE | $3,447 | $4,415-21.9% | $3,537-2.5% | $5,851-41.1% |
| Admin fee / account holder | $4,038 | $6,210-35.0% | $3,841+5.1% | $11,601-65.2% |