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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 | $52,253 | $124,330-58.0% | $109,173-52.1% | $167,536-68.8% |
| Participation rate | 50.0% | 79.5%-29.5pp | 75.9%-25.9pp | 82.1%-32.1pp |
| Annual return | 16.71% | 26.04%-9.3pp | 25.75%-9.0pp | 478.82%-462.1pp |
| Employer contribution / active EE | $1,643 | $4,209-61.0% | $3,723-55.9% | $4,839-66.0% |
| Participant deferral / active EE | $3,628 | $5,256-31.0% | $4,654-22.0% | $6,342-42.8% |
| Admin fee / account holder | $1,676 | $7,974-79.0% | $6,755-75.2% | $12,315-86.4% |