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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 | $52,075 | $102,422-49.2% | $147,117-64.6% | $80,959-35.7% |
| Participation rate | 69.4% | 75.9%-6.5pp | 82.2%-12.8pp | 67.7%+1.7pp |
| Annual return | 14.41% | 135.16%-120.7pp | 420.54%-406.1pp | 35.67%-21.3pp |
| Employer contribution / active EE | $3,154 | $3,717-15.2% | $4,932-36.1% | $2,757+14.4% |
| Participant deferral / active EE | $7,372 | $6,652+10.8% | $8,065-8.6% | $4,300+71.4% |
| Admin fee / account holder | $585 | $7,953-92.6% | $12,993-95.5% | $6,925-91.6% |