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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 | $76,561 | $102,422-25.2% | $147,117-48.0% | $80,959-5.4% |
| Participation rate | 67.1% | 75.9%-8.8pp | 82.2%-15.1pp | 67.7%-0.6pp |
| Annual return | 18.65% | 135.16%-116.5pp | 420.54%-401.9pp | 35.67%-17.0pp |
| Employer contribution / active EE | $3,828 | $3,717+3.0% | $4,932-22.4% | $2,757+38.9% |
| Participant deferral / active EE | $9,465 | $6,652+42.3% | $8,065+17.4% | $4,300+120.1% |
| Admin fee / account holder | $4,525 | $7,953-43.1% | $12,993-65.2% | $6,925-34.7% |