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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 | $38,247 | $58,391-34.5% | $76,657-50.1% | $72,975-47.6% |
| Participation rate | 19.1% | 67.4%-48.2pp | 72.1%-52.9pp | 69.5%-50.3pp |
| Annual return | 25.67% | 2306.65%-2281.0pp | 1166.74%-1141.1pp | 81.01%-55.3pp |
| Employer contribution / active EE | $727 | $1,787-59.3% | $2,303-68.4% | $2,440-70.2% |
| Participant deferral / active EE | $1,875 | $2,690-30.3% | $3,335-43.8% | $3,608-48.0% |
| Admin fee / account holder | $2,057 | $4,014-48.8% | $6,423-68.0% | $5,124-59.9% |