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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 | $62,441 | $110,801-43.6% | $86,868-28.1% | $167,518-62.7% |
| Participation rate | 66.7% | 75.8%-9.1pp | 71.6%-5.0pp | 82.1%-15.4pp |
| Annual return | 23.63% | 117.00%-93.4pp | 63.53%-39.9pp | 478.71%-455.1pp |
| Employer contribution / active EE | $1,274 | $3,245-60.7% | $2,496-49.0% | $4,838-73.7% |
| Participant deferral / active EE | $3,586 | $4,547-21.1% | $3,699-3.1% | $6,342-43.5% |
| Admin fee / account holder | $646 | $8,417-92.3% | $5,829-88.9% | $12,312-94.8% |