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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 | $67,140 | $169,356-60.4% | $129,406-48.1% | $145,897-54.0% |
| Participation rate | 66.7% | 76.5%-9.8pp | 69.6%-3.0pp | 80.3%-13.6pp |
| Annual return | 13.56% | 14418.62%-14405.1pp | 9468.18%-9454.6pp | 552.29%-538.7pp |
| Employer contribution / active EE | $565 | $5,542-89.8% | $4,155-86.4% | $4,663-87.9% |
| Participant deferral / active EE | $1,184 | $4,987-76.3% | $4,167-71.6% | $6,689-82.3% |
| Admin fee / account holder | $307 | $9,915-96.9% | $7,689-96.0% | $13,390-97.7% |