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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 | $115,632 | $183,592-37.0% | $155,574-25.7% | $145,877-20.7% |
| Participation rate | 63.2% | 82.7%-19.5pp | 78.2%-15.1pp | 80.3%-17.1pp |
| Annual return | 10.39% | 61.37%-51.0pp | 64.87%-54.5pp | 551.28%-540.9pp |
| Employer contribution / active EE | $1,289 | $5,317-75.8% | $4,676-72.4% | $4,663-72.4% |
| Participant deferral / active EE | $3,708 | $6,466-42.7% | $5,629-34.1% | $6,691-44.6% |
| Admin fee / account holder | $1,444 | $19,316-92.5% | $15,914-90.9% | $13,402-89.2% |