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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 | $118,065 | $166,020-28.9% | $164,866-28.4% | $145,959-19.1% |
| Participation rate | 58.8% | 82.0%-23.2pp | 78.6%-19.8pp | 80.3%-21.5pp |
| Annual return | 13.97% | 100.08%-86.1pp | 69.97%-56.0pp | 561.95%-548.0pp |
| Employer contribution / active EE | $2,417 | $5,275-54.2% | $4,343-44.3% | $4,661-48.1% |
| Participant deferral / active EE | $5,536 | $6,961-20.5% | $6,033-8.2% | $6,689-17.2% |
| Admin fee / account holder | $5,027 | $16,644-69.8% | $12,689-60.4% | $13,398-62.5% |