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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 | $111,132 | $160,028-30.6% | $147,080-24.4% | $145,884-23.8% |
| Participation rate | 45.5% | 84.0%-38.6pp | 82.2%-36.7pp | 80.3%-34.8pp |
| Annual return | 12.16% | 98.60%-86.4pp | 420.17%-408.0pp | 551.85%-539.7pp |
| Employer contribution / active EE | $2,647 | $5,286-49.9% | $4,933-46.3% | $4,662-43.2% |
| Participant deferral / active EE | $7,427 | $8,422-11.8% | $8,066-7.9% | $6,690+11.0% |
| Admin fee / account holder | $436 | $15,030-97.1% | $12,989-96.6% | $13,392-96.7% |