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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 | $89,422 | $102,595-12.8% | $94,057-4.9% | $154,746-42.2% |
| Participation rate | 44.4% | 76.0%-31.6pp | 73.3%-28.9pp | 80.7%-36.3pp |
| Annual return | 21.50% | 583.42%-561.9pp | 480.62%-459.1pp | 172.34%-150.8pp |
| Employer contribution / active EE | $514 | $3,147-83.7% | $2,933-82.5% | $4,379-88.3% |
| Participant deferral / active EE | $4,202 | $5,118-17.9% | $4,709-10.8% | $6,730-37.6% |
| Admin fee / account holder | $835 | $7,736-89.2% | $7,244-88.5% | $14,365-94.2% |