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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 | $40,519 | $107,941-62.5% | $91,994-56.0% | $152,897-73.5% |
| Participation rate | 66.7% | 81.2%-14.5pp | 78.6%-12.0pp | 82.5%-15.8pp |
| Annual return | 28.87% | 89.28%-60.4pp | 69.04%-40.2pp | 345.43%-316.6pp |
| Employer contribution / active EE | $2,570 | $4,212-39.0% | $3,453-25.6% | $4,764-46.0% |
| Participant deferral / active EE | $4,563 | $6,366-28.3% | $5,924-23.0% | $5,851-22.0% |
| Admin fee / account holder | $373 | $10,521-96.5% | $7,744-95.2% | $11,599-96.8% |