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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 | $68,832 | $106,267-35.2% | $96,520-28.7% | $139,456-50.6% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 30.65% | 38.45%-7.8pp | 35.72%-5.1pp | 373.45%-342.8pp |
| Employer contribution / active EE | $1,916 | $4,105-53.3% | $3,739-48.7% | $4,753-59.7% |
| Participant deferral / active EE | $3,490 | $5,454-36.0% | $4,879-28.5% | $6,711-48.0% |
| Admin fee / account holder | $6,495 | $7,882-17.6% | $6,733-3.5% | $11,407-43.1% |