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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 | $27,036 | $59,467-54.5% | $93,727-71.2% | $74,478-63.7% |
| Participation rate | 51.1% | 59.6%-8.6pp | 68.7%-17.6pp | 67.2%-16.2pp |
| Annual return | 13.36% | 82.14%-68.8pp | 133.83%-120.5pp | 1370.56%-1357.2pp |
| Employer contribution / active EE | $1,613 | $1,267+27.3% | $2,421-33.4% | $2,626-38.6% |
| Participant deferral / active EE | $2,420 | $3,052-20.7% | $4,417-45.2% | $4,350-44.4% |
| Admin fee / account holder | $1,271 | $3,028-58.0% | $8,292-84.7% | $1,946-34.7% |