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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 | $96,247 | $96,419-0.2% | $80,648+19.3% | $139,487-31.0% |
| Participation rate | 47.6% | 73.6%-26.0pp | 67.0%-19.4pp | 80.3%-32.7pp |
| Annual return | 18.38% | 1352.86%-1334.5pp | 937.21%-918.8pp | 373.84%-355.5pp |
| Employer contribution / active EE | $1,219 | $3,261-62.6% | $2,724-55.3% | $4,755-74.4% |
| Participant deferral / active EE | $2,565 | $5,225-50.9% | $4,443-42.3% | $6,713-61.8% |
| Admin fee / account holder | $3,569 | $6,605-46.0% | $5,382-33.7% | $11,407-68.7% |