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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 | $30,110 | $110,093-72.7% | $97,295-69.1% | $145,897-79.4% |
| Participation rate | 42.9% | 75.9%-33.1pp | 72.7%-29.8pp | 80.3%-37.4pp |
| Annual return | 21.05% | 244.76%-223.7pp | 75.62%-54.6pp | 552.29%-531.2pp |
| Employer contribution / active EE | $931 | $3,077-69.8% | $2,723-65.8% | $4,663-80.0% |
| Participant deferral / active EE | $4,400 | $4,678-5.9% | $4,264+3.2% | $6,689-34.2% |
| Admin fee / account holder | $2,513 | $6,212-59.6% | $5,646-55.5% | $13,390-81.2% |