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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 | $40,498 | $217,432-81.4% | $185,851-78.2% | $167,553-75.8% |
| Participation rate | 47.6% | 86.1%-38.4pp | 81.7%-34.1pp | 82.1%-34.5pp |
| Annual return | 13.09% | 148.43%-135.3pp | 122.11%-109.0pp | 478.89%-465.8pp |
| Employer contribution / active EE | $2,378 | $5,874-59.5% | $5,168-54.0% | $4,840-50.9% |
| Participant deferral / active EE | $3,674 | $6,357-42.2% | $5,569-34.0% | $6,343-42.1% |
| Admin fee / account holder | $468 | $19,820-97.6% | $16,245-97.1% | $12,316-96.2% |