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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 | $62,421 | $76,368-18.3% | $67,681-7.8% | $154,746-59.7% |
| Participation rate | 42.9% | 79.0%-36.1pp | 73.7%-30.9pp | 80.7%-37.8pp |
| Annual return | 19.99% | 1066.77%-1046.8pp | 590.58%-570.6pp | 172.34%-152.3pp |
| Employer contribution / active EE | $0 | $3,151-100.0% | $2,678-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $4,442 | $4,824-7.9% | $3,976+11.7% | $6,730-34.0% |
| Admin fee / account holder | $409 | $8,559-95.2% | $6,100-93.3% | $14,365-97.2% |