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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 | $27,656 | $169,361-83.7% | $129,397-78.6% | $145,877-81.0% |
| Participation rate | 52.4% | 76.5%-24.1pp | 69.6%-17.2pp | 80.3%-27.9pp |
| Annual return | 29.28% | 14395.54%-14366.3pp | 9453.98%-9424.7pp | 551.28%-522.0pp |
| Employer contribution / active EE | $2,041 | $5,542-63.2% | $4,154-50.9% | $4,663-56.2% |
| Participant deferral / active EE | $4,443 | $4,987-10.9% | $4,167+6.6% | $6,691-33.6% |
| Admin fee / account holder | $1,153 | $9,903-88.4% | $7,679-85.0% | $13,402-91.4% |