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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 | $46,586 | $160,070-70.9% | $147,117-68.3% | $145,897-68.1% |
| Participation rate | 61.5% | 84.0%-22.5pp | 82.2%-20.6pp | 80.3%-18.8pp |
| Annual return | 15.07% | 98.69%-83.6pp | 420.54%-405.5pp | 552.29%-537.2pp |
| Employer contribution / active EE | $1,988 | $5,285-62.4% | $4,932-59.7% | $4,663-57.4% |
| Participant deferral / active EE | $7,475 | $8,419-11.2% | $8,065-7.3% | $6,689+11.7% |
| Admin fee / account holder | $2,224 | $15,035-85.2% | $12,993-82.9% | $13,390-83.4% |