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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 | $40,819 | $175,231-76.7% | $149,696-72.7% | $139,466-70.7% |
| Participation rate | 62.5% | 83.4%-20.9pp | 78.8%-16.3pp | 80.3%-17.8pp |
| Annual return | 23.84% | 166.77%-142.9pp | 134.46%-110.6pp | 373.66%-349.8pp |
| Employer contribution / active EE | $2,309 | $5,478-57.8% | $4,821-52.1% | $4,754-51.4% |
| Participant deferral / active EE | $8,174 | $6,521+25.3% | $5,682+43.9% | $6,712+21.8% |
| Admin fee / account holder | $879 | $16,155-94.6% | $13,212-93.3% | $11,409-92.3% |