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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 | $34,025 | $149,040-77.2% | $120,225-71.7% | $137,256-75.2% |
| Participation rate | 68.8% | 75.4%-6.7pp | 69.6%-0.8pp | 80.0%-11.2pp |
| Annual return | 18.26% | 605.68%-587.4pp | 439.23%-421.0pp | 220.34%-202.1pp |
| Employer contribution / active EE | $1,082 | $4,350-75.1% | $3,475-68.9% | $4,156-74.0% |
| Participant deferral / active EE | $1,383 | $4,655-70.3% | $3,999-65.4% | $6,407-78.4% |
| Admin fee / account holder | $1,597 | $6,348-74.8% | $5,696-72.0% | $12,270-87.0% |