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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 | $36,487 | $111,785-67.4% | $93,669-61.0% | $145,877-75.0% |
| Participation rate | 56.5% | 74.2%-17.7pp | 68.7%-12.2pp | 80.3%-23.8pp |
| Annual return | 12.88% | 203.79%-190.9pp | 133.59%-120.7pp | 551.28%-538.4pp |
| Employer contribution / active EE | $1,504 | $3,096-51.4% | $2,424-38.0% | $4,663-67.8% |
| Participant deferral / active EE | $5,586 | $4,919+13.6% | $4,416+26.5% | $6,691-16.5% |
| Admin fee / account holder | $1,899 | $10,256-81.5% | $8,291-77.1% | $13,402-85.8% |