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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 | $76,220 | $102,422-25.6% | $147,117-48.2% | $80,959-5.9% |
| Participation rate | 51.6% | 75.9%-24.2pp | 82.2%-30.5pp | 67.7%-16.0pp |
| Annual return | 14.24% | 135.16%-120.9pp | 420.54%-406.3pp | 35.67%-21.4pp |
| Employer contribution / active EE | $1,992 | $3,717-46.4% | $4,932-59.6% | $2,757-27.8% |
| Participant deferral / active EE | $4,190 | $6,652-37.0% | $8,065-48.0% | $4,300-2.6% |
| Admin fee / account holder | $12,271 | $7,953+54.3% | $12,993-5.6% | $6,925+77.2% |