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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 | $34,343 | $160,028-78.5% | $147,080-76.6% | $145,884-76.5% |
| Participation rate | 63.6% | 84.0%-20.4pp | 82.2%-18.5pp | 80.3%-16.7pp |
| Annual return | 14.89% | 98.60%-83.7pp | 420.17%-405.3pp | 551.85%-537.0pp |
| Employer contribution / active EE | $2,162 | $5,286-59.1% | $4,933-56.2% | $4,662-53.6% |
| Participant deferral / active EE | $7,468 | $8,422-11.3% | $8,066-7.4% | $6,690+11.6% |
| Admin fee / account holder | $2,284 | $15,030-84.8% | $12,989-82.4% | $13,392-82.9% |