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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 | $86,111 | $209,422-58.9% | $178,503-51.8% | $158,982-45.8% |
| Participation rate | 54.5% | 86.4%-31.8pp | 81.9%-27.4pp | 82.0%-27.4pp |
| Annual return | 9.50% | 188.81%-179.3pp | 151.12%-141.6pp | 302.99%-293.5pp |
| Employer contribution / active EE | $1,405 | $5,707-75.4% | $5,011-72.0% | $4,763-70.5% |
| Participant deferral / active EE | $2,509 | $5,955-57.9% | $5,202-51.8% | $5,983-58.1% |
| Admin fee / account holder | $1,910 | $17,079-88.8% | $13,987-86.3% | $11,252-83.0% |