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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 | $129,418 | $159,978-19.1% | $147,041-12.0% | $145,978-11.3% |
| Participation rate | 55.6% | 84.0%-28.5pp | 82.2%-26.6pp | 80.3%-24.7pp |
| Annual return | 11.22% | 98.36%-87.1pp | 419.21%-408.0pp | 550.52%-539.3pp |
| Employer contribution / active EE | $2,543 | $5,288-51.9% | $4,935-48.5% | $4,662-45.5% |
| Participant deferral / active EE | $7,425 | $8,429-11.9% | $8,071-8.0% | $6,690+11.0% |
| Admin fee / account holder | $398 | $15,053-97.4% | $13,006-96.9% | $13,400-97.0% |