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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 | $67,247 | $81,476-17.5% | $102,383-34.3% | $80,925-16.9% |
| Participation rate | 20.0% | 66.8%-46.8pp | 74.5%-54.5pp | 67.7%-47.7pp |
| Annual return | 96.89% | 25.59%+71.3pp | 24.94%+72.0pp | 35.65%+61.2pp |
| Employer contribution / active EE | $995 | $3,105-68.0% | $3,870-74.3% | $2,756-63.9% |
| Participant deferral / active EE | $2,016 | $3,871-47.9% | $5,060-60.2% | $4,299-53.1% |
| Admin fee / account holder | $4,095 | $6,717-39.0% | $8,391-51.2% | $6,940-41.0% |