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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 | $84,712 | $96,691-12.4% | $86,656-2.2% | $139,487-39.3% |
| Participation rate | 55.6% | 74.4%-18.9pp | 71.7%-16.2pp | 80.3%-24.8pp |
| Annual return | 12.86% | 106.87%-94.0pp | 593.09%-580.2pp | 373.84%-361.0pp |
| Employer contribution / active EE | $8,623 | $3,267+163.9% | $3,025+185.0% | $4,755+81.4% |
| Participant deferral / active EE | $2,622 | $4,838-45.8% | $4,439-40.9% | $6,713-60.9% |
| Admin fee / account holder | $1,429 | $6,414-77.7% | $5,619-74.6% | $11,407-87.5% |