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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 | $84,211 | $70,587+19.3% | $124,694-32.5% | $85,851-1.9% |
| Participation rate | 38.7% | 64.4%-25.7pp | 74.6%-35.9pp | 69.3%-30.6pp |
| Annual return | 14.06% | 20688.83%-20674.8pp | 5144.82%-5130.8pp | 318.63%-304.6pp |
| Employer contribution / active EE | $1,096 | $1,913-42.7% | $3,325-67.0% | $2,565-57.3% |
| Participant deferral / active EE | $2,049 | $2,969-31.0% | $4,615-55.6% | $3,952-48.1% |
| Admin fee / account holder | $15,077 | $5,282+185.4% | $7,495+101.2% | $6,261+140.8% |