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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 | $67,945 | $57,305+18.6% | $86,640-21.6% | $75,173-9.6% |
| Participation rate | 44.2% | 63.2%-19.0pp | 71.7%-27.5pp | 67.2%-23.0pp |
| Annual return | 14.95% | 2674.24%-2659.3pp | 592.52%-577.6pp | 160.72%-145.8pp |
| Employer contribution / active EE | $1,448 | $2,316-37.5% | $3,024-52.1% | $2,671-45.8% |
| Participant deferral / active EE | $3,688 | $3,320+11.1% | $4,438-16.9% | $4,126-10.6% |
| Admin fee / account holder | $2,603 | $4,116-36.8% | $5,616-53.7% | $5,651-53.9% |