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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 | $50,842 | $100,203-49.3% | $85,240-40.4% | $145,897-65.2% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 10.70% | 84.28%-73.6pp | 66.75%-56.1pp | 552.29%-541.6pp |
| Employer contribution / active EE | $2,061 | $3,242-36.4% | $2,735-24.7% | $4,663-55.8% |
| Participant deferral / active EE | $2,921 | $5,299-44.9% | $4,527-35.5% | $6,689-56.3% |
| Admin fee / account holder | $2,137 | $7,265-70.6% | $6,165-65.3% | $13,390-84.0% |