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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 | $58,078 | $85,766-32.3% | $136,297-57.4% | $70,124-17.2% |
| Participation rate | 55.7% | 74.2%-18.4pp | 81.9%-26.2pp | 69.5%-13.8pp |
| Annual return | 72.02% | 31.45%+40.6pp | 5156.19%-5084.2pp | 73.14%-1.1pp |
| Employer contribution / active EE | $2,652 | $2,966-10.6% | $4,696-43.5% | $2,342+13.2% |
| Participant deferral / active EE | $4,268 | $5,051-15.5% | $6,247-31.7% | $3,332+28.1% |
| Admin fee / account holder | $2,895 | $5,420-46.6% | $9,244-68.7% | $4,645-37.7% |