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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 | $27,672 | $175,231-84.2% | $149,696-81.5% | $139,466-80.2% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | 18.91% | 166.77%-147.9pp | 134.46%-115.5pp | 373.66%-354.8pp |
| Employer contribution / active EE | $1,674 | $5,478-69.4% | $4,821-65.3% | $4,754-64.8% |
| Participant deferral / active EE | $2,508 | $6,521-61.5% | $5,682-55.9% | $6,712-62.6% |
| Admin fee / account holder | $4,433 | $16,155-72.6% | $13,212-66.4% | $11,409-61.1% |