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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 | $34,022 | $86,949-60.9% | $102,460-66.8% | $80,959-58.0% |
| Participation rate | 64.1% | 72.4%-8.3pp | 76.5%-12.4pp | 67.7%-3.6pp |
| Annual return | 135.93% | 18.89%+117.0pp | 29.47%+106.5pp | 35.67%+100.3pp |
| Employer contribution / active EE | $1,918 | $2,370-19.1% | $3,025-36.6% | $2,757-30.4% |
| Participant deferral / active EE | $2,968 | $4,121-28.0% | $5,056-41.3% | $4,300-31.0% |
| Admin fee / account holder | $11,794 | $8,048+46.6% | $9,460+24.7% | $6,925+70.3% |