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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 | $132,993 | $175,231-24.1% | $149,696-11.2% | $139,466-4.6% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 22.39% | 166.77%-144.4pp | 134.46%-112.1pp | 373.66%-351.3pp |
| Employer contribution / active EE | $2,117 | $5,478-61.3% | $4,821-56.1% | $4,754-55.5% |
| Participant deferral / active EE | $4,891 | $6,521-25.0% | $5,682-13.9% | $6,712-27.1% |
| Admin fee / account holder | $641 | $16,155-96.0% | $13,212-95.2% | $11,409-94.4% |