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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 | $56,686 | $102,393-44.6% | $147,041-61.4% | $80,911-29.9% |
| Participation rate | 67.9% | 75.9%-7.9pp | 82.2%-14.2pp | 67.6%+0.3pp |
| Annual return | 12.18% | 134.95%-122.8pp | 419.21%-407.0pp | 35.63%-23.5pp |
| Employer contribution / active EE | $1,404 | $3,715-62.2% | $4,935-71.6% | $2,756-49.1% |
| Participant deferral / active EE | $4,955 | $6,647-25.5% | $8,071-38.6% | $4,297+15.3% |
| Admin fee / account holder | $3,902 | $7,943-50.9% | $13,006-70.0% | $6,935-43.7% |