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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 | $31,050 | $115,814-73.2% | $101,275-69.3% | $158,982-80.5% |
| Participation rate | 61.5% | 79.4%-17.8pp | 75.8%-14.3pp | 82.0%-20.4pp |
| Annual return | 25.95% | 56.16%-30.2pp | 46.48%-20.5pp | 302.99%-277.0pp |
| Employer contribution / active EE | $1,793 | $4,176-57.1% | $3,660-51.0% | $4,763-62.3% |
| Participant deferral / active EE | $5,030 | $4,958+1.5% | $4,371+15.1% | $5,983-15.9% |
| Admin fee / account holder | $1,391 | $7,249-80.8% | $5,948-76.6% | $11,252-87.6% |