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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 | $21,459 | $148,582-85.6% | $135,942-84.2% | $139,456-84.6% |
| Participation rate | 57.1% | 83.9%-26.7pp | 81.9%-24.8pp | 80.3%-23.2pp |
| Annual return | 15.84% | 79.26%-63.4pp | 68.28%-52.4pp | 373.45%-357.6pp |
| Employer contribution / active EE | $2,529 | $5,245-51.8% | $4,858-47.9% | $4,753-46.8% |
| Participant deferral / active EE | $3,710 | $8,101-54.2% | $7,759-52.2% | $6,711-44.7% |
| Admin fee / account holder | $4,495 | $12,402-63.8% | $10,764-58.2% | $11,407-60.6% |