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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 | $136,464 | $157,304-13.2% | $141,197-3.4% | $152,909-10.8% |
| Participation rate | 33.3% | 84.8%-51.5pp | 82.5%-49.1pp | 82.5%-49.1pp |
| Annual return | 21.43% | 64.34%-42.9pp | 71.41%-50.0pp | 345.46%-324.0pp |
| Employer contribution / active EE | $1,589 | $5,263-69.8% | $4,736-66.4% | $4,764-66.6% |
| Participant deferral / active EE | $2,917 | $7,111-59.0% | $6,710-56.5% | $5,851-50.1% |
| Admin fee / account holder | $1,617 | $12,126-86.7% | $10,265-84.2% | $11,601-86.1% |