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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 | $47,783 | $105,200-54.6% | $159,474-70.0% | $85,847-44.3% |
| Participation rate | 65.9% | 75.8%-9.9pp | 82.8%-16.9pp | 69.3%-3.4pp |
| Annual return | 38.12% | 45.08%-7.0pp | 263.68%-225.6pp | 318.61%-280.5pp |
| Employer contribution / active EE | $5,138 | $3,319+54.8% | $4,831+6.4% | $2,565+100.3% |
| Participant deferral / active EE | $12,374 | $5,946+108.1% | $7,353+68.3% | $3,952+213.1% |
| Admin fee / account holder | $4,080 | $6,934-41.2% | $10,802-62.2% | $6,261-34.8% |