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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 | $140,422 | $157,276-10.7% | $141,177-0.5% | $152,885-8.2% |
| Participation rate | 30.0% | 84.8%-54.8pp | 82.5%-52.5pp | 82.5%-52.5pp |
| Annual return | 24.20% | 64.33%-40.1pp | 71.40%-47.2pp | 345.39%-321.2pp |
| Employer contribution / active EE | $1,480 | $5,262-71.9% | $4,736-68.8% | $4,763-68.9% |
| Participant deferral / active EE | $3,047 | $7,110-57.1% | $6,710-54.6% | $5,851-47.9% |
| Admin fee / account holder | $19,819 | $12,123+63.5% | $10,263+93.1% | $11,598+70.9% |