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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 | $105,446 | $104,953+0.5% | $84,637+24.6% | $152,909-31.0% |
| Participation rate | 40.0% | 74.8%-34.8pp | 68.2%-28.2pp | 82.5%-42.5pp |
| Annual return | 19.64% | 373.94%-354.3pp | 258.82%-239.2pp | 345.46%-325.8pp |
| Employer contribution / active EE | $984 | $3,304-70.2% | $2,653-62.9% | $4,764-79.3% |
| Participant deferral / active EE | $1,026 | $4,691-78.1% | $3,900-73.7% | $5,851-82.5% |
| Admin fee / account holder | $327 | $6,244-94.8% | $4,914-93.4% | $11,601-97.2% |