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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 | $72,584 | $59,467+22.1% | $93,727-22.6% | $74,478-2.5% |
| Participation rate | 52.2% | 59.6%-7.4pp | 68.7%-16.5pp | 67.2%-15.0pp |
| Annual return | 12.97% | 82.14%-69.2pp | 133.83%-120.9pp | 1370.56%-1357.6pp |
| Employer contribution / active EE | $1,812 | $1,267+43.1% | $2,421-25.2% | $2,626-31.0% |
| Participant deferral / active EE | $4,319 | $3,052+41.5% | $4,417-2.2% | $4,350-0.7% |
| Admin fee / account holder | $6,631 | $3,028+118.9% | $8,292-20.0% | $1,946+240.8% |