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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 | $149,290 | $209,422-28.7% | $178,503-16.4% | $158,982-6.1% |
| Participation rate | 33.3% | 86.4%-53.0pp | 81.9%-48.6pp | 82.0%-48.6pp |
| Annual return | 19.01% | 188.81%-169.8pp | 151.12%-132.1pp | 302.99%-284.0pp |
| Employer contribution / active EE | $1,486 | $5,707-74.0% | $5,011-70.4% | $4,763-68.8% |
| Participant deferral / active EE | $6,500 | $5,955+9.2% | $5,202+24.9% | $5,983+8.6% |
| Admin fee / account holder | $523 | $17,079-96.9% | $13,987-96.3% | $11,252-95.4% |