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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 | $107,433 | $183,592-41.5% | $155,567-30.9% | $145,959-26.4% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 17.01% | 61.24%-44.2pp | 64.74%-47.7pp | 561.95%-544.9pp |
| Employer contribution / active EE | $1,535 | $5,315-71.1% | $4,674-67.2% | $4,661-67.1% |
| Participant deferral / active EE | $4,366 | $6,464-32.5% | $5,628-22.4% | $6,689-34.7% |
| Admin fee / account holder | $570 | $19,318-97.0% | $15,916-96.4% | $13,398-95.7% |