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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 | $44,460 | $102,422-56.6% | $147,117-69.8% | $80,959-45.1% |
| Participation rate | 69.3% | 75.9%-6.5pp | 82.2%-12.9pp | 67.7%+1.7pp |
| Annual return | 17.83% | 135.16%-117.3pp | 420.54%-402.7pp | 35.67%-17.8pp |
| Employer contribution / active EE | $3,185 | $3,717-14.3% | $4,932-35.4% | $2,757+15.5% |
| Participant deferral / active EE | $5,715 | $6,652-14.1% | $8,065-29.1% | $4,300+32.9% |
| Admin fee / account holder | $4,639 | $7,953-41.7% | $12,993-64.3% | $6,925-33.0% |