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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 | $61,947 | $78,694-21.3% | $67,652-8.4% | $125,389-50.6% |
| Participation rate | 69.6% | 78.8%-9.2pp | 75.7%-6.1pp | 83.2%-13.6pp |
| Annual return | 0.42% | 9.46%-9.0pp | 6625.40%-6625.0pp | 282.24%-281.8pp |
| Employer contribution / active EE | $2,312 | $3,044-24.0% | $2,266+2.1% | $4,866-52.5% |
| Participant deferral / active EE | $4,323 | $4,292+0.7% | $3,560+21.4% | $5,352-19.2% |
| Admin fee / account holder | $3,673 | $7,403-50.4% | $4,821-23.8% | $9,541-61.5% |