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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 | $33,963 | $96,388-64.8% | $80,627-57.9% | $139,466-75.6% |
| Participation rate | 50.0% | 73.6%-23.6pp | 67.0%-17.0pp | 80.3%-30.3pp |
| Annual return | 11.29% | 1352.08%-1340.8pp | 936.76%-925.5pp | 373.66%-362.4pp |
| Employer contribution / active EE | $5,247 | $3,260+61.0% | $2,723+92.7% | $4,754+10.4% |
| Participant deferral / active EE | $2,317 | $5,224-55.7% | $4,443-47.9% | $6,712-65.5% |
| Admin fee / account holder | $1,172 | $6,603-82.3% | $5,381-78.2% | $11,409-89.7% |