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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 | $83,703 | $198,457-57.8% | $170,435-50.9% | $147,586-43.3% |
| Participation rate | 61.5% | 88.0%-26.4pp | 83.6%-22.1pp | 82.8%-21.3pp |
| Annual return | 11.56% | 257.30%-245.7pp | 205.94%-194.4pp | 578.59%-567.0pp |
| Employer contribution / active EE | $1,667 | $6,183-73.0% | $5,432-69.3% | $4,876-65.8% |
| Participant deferral / active EE | $4,508 | $5,629-19.9% | $4,939-8.7% | $5,439-17.1% |
| Admin fee / account holder | $3,598 | $16,852-78.7% | $13,881-74.1% | $10,886-66.9% |