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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 | $42,085 | $49,891-15.6% | $80,607-47.8% | $75,181-44.0% |
| Participation rate | 56.0% | 55.3%+0.7pp | 67.0%-11.0pp | 67.2%-11.2pp |
| Annual return | 15.09% | 34.67%-19.6pp | 936.11%-921.0pp | 160.69%-145.6pp |
| Employer contribution / active EE | $1,674 | $1,698-1.4% | $2,724-38.5% | $2,671-37.3% |
| Participant deferral / active EE | $3,582 | $2,991+19.7% | $4,448-19.5% | $4,126-13.2% |
| Admin fee / account holder | $5,345 | $3,578+49.4% | $5,379-0.6% | $5,650-5.4% |