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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 | $66,783 | $176,105-62.1% | $159,474-58.1% | $167,536-60.1% |
| Participation rate | 50.0% | 85.0%-35.0pp | 82.8%-32.8pp | 82.1%-32.1pp |
| Annual return | 25.49% | 331.91%-306.4pp | 263.68%-238.2pp | 478.82%-453.3pp |
| Employer contribution / active EE | $1,269 | $5,299-76.1% | $4,831-73.7% | $4,839-73.8% |
| Participant deferral / active EE | $4,873 | $7,751-37.1% | $7,353-33.7% | $6,342-23.2% |
| Admin fee / account holder | $668 | $12,559-94.7% | $10,802-93.8% | $12,315-94.6% |