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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 | $43,149 | $217,432-80.2% | $185,851-76.8% | $167,553-74.2% |
| Participation rate | 63.2% | 86.1%-22.9pp | 81.7%-18.6pp | 82.1%-19.0pp |
| Annual return | 11.63% | 148.43%-136.8pp | 122.11%-110.5pp | 478.89%-467.3pp |
| Employer contribution / active EE | $2,342 | $5,874-60.1% | $5,168-54.7% | $4,840-51.6% |
| Participant deferral / active EE | $4,580 | $6,357-28.0% | $5,569-17.8% | $6,343-27.8% |
| Admin fee / account holder | $1,692 | $19,820-91.5% | $16,245-89.6% | $12,316-86.3% |