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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 | $69,852 | $124,314-43.8% | $109,163-36.0% | $167,518-58.3% |
| Participation rate | 54.5% | 79.4%-24.9pp | 75.9%-21.3pp | 82.1%-27.6pp |
| Annual return | 15.89% | 26.04%-10.1pp | 25.75%-9.9pp | 478.71%-462.8pp |
| Employer contribution / active EE | $2,107 | $4,209-49.9% | $3,723-43.4% | $4,838-56.5% |
| Participant deferral / active EE | $5,984 | $5,256+13.9% | $4,654+28.6% | $6,342-5.6% |
| Admin fee / account holder | $11,060 | $7,973+38.7% | $6,754+63.8% | $12,312-10.2% |