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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 | $19,295 | $160,070-87.9% | $147,117-86.9% | $145,897-86.8% |
| Participation rate | 63.2% | 84.0%-20.9pp | 82.2%-19.0pp | 80.3%-17.1pp |
| Annual return | 12.24% | 98.69%-86.4pp | 420.54%-408.3pp | 552.29%-540.0pp |
| Employer contribution / active EE | $1,436 | $5,285-72.8% | $4,932-70.9% | $4,663-69.2% |
| Participant deferral / active EE | $4,802 | $8,419-43.0% | $8,065-40.5% | $6,689-28.2% |
| Admin fee / account holder | $1,469 | $15,035-90.2% | $12,993-88.7% | $13,390-89.0% |