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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 | $110,101 | $202,342-45.6% | $172,752-36.3% | $152,897-28.0% |
| Participation rate | 25.0% | 87.1%-62.1pp | 82.6%-57.6pp | 82.5%-57.5pp |
| Annual return | 23.64% | 1029.83%-1006.2pp | 802.97%-779.3pp | 345.43%-321.8pp |
| Employer contribution / active EE | $1,695 | $5,858-71.1% | $5,144-67.0% | $4,764-64.4% |
| Participant deferral / active EE | $2,791 | $5,948-53.1% | $5,198-46.3% | $5,851-52.3% |
| Admin fee / account holder | $800 | $17,111-95.3% | $13,955-94.3% | $11,599-93.1% |