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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 | $48,070 | $106,008-54.7% | $92,240-47.9% | $147,586-67.4% |
| Participation rate | 66.7% | 80.4%-13.7pp | 76.5%-9.8pp | 82.8%-16.2pp |
| Annual return | 18.53% | 50.05%-31.5pp | 176.29%-157.8pp | 578.59%-560.1pp |
| Employer contribution / active EE | $901 | $4,333-79.2% | $3,680-75.5% | $4,876-81.5% |
| Participant deferral / active EE | $5,016 | $4,478+12.0% | $3,897+28.7% | $5,439-7.8% |
| Admin fee / account holder | $617 | $6,333-90.3% | $5,194-88.1% | $10,886-94.3% |