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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 | $36,458 | $65,575-44.4% | $86,209-57.7% | $75,181-51.5% |
| Participation rate | 57.7% | 60.5%-2.8pp | 69.0%-11.3pp | 67.2%-9.5pp |
| Annual return | 17.49% | 46.07%-28.6pp | 1169.05%-1151.6pp | 160.69%-143.2pp |
| Employer contribution / active EE | $1,620 | $1,553+4.3% | $2,381-32.0% | $2,671-39.3% |
| Participant deferral / active EE | $3,925 | $3,023+29.8% | $3,986-1.5% | $4,126-4.9% |
| Admin fee / account holder | $1,454 | $5,470-73.4% | $6,853-78.8% | $5,650-74.3% |