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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 | $41,264 | $97,078-57.5% | $103,065-60.0% | $145,897-71.7% |
| Participation rate | 50.0% | 81.1%-31.1pp | 80.6%-30.6pp | 80.3%-30.3pp |
| Annual return | 15.28% | 25.49%-10.2pp | 23.95%-8.7pp | 552.29%-537.0pp |
| Employer contribution / active EE | $1,484 | $4,680-68.3% | $4,675-68.3% | $4,663-68.2% |
| Participant deferral / active EE | $4,487 | $6,601-32.0% | $6,625-32.3% | $6,689-32.9% |
| Admin fee / account holder | $9,446 | $12,505-24.5% | $9,349+1.0% | $13,390-29.5% |