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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 | $102,576 | $111,830-8.3% | $93,696+9.5% | $145,884-29.7% |
| Participation rate | 64.3% | 74.2%-9.9pp | 68.7%-4.4pp | 80.3%-16.0pp |
| Annual return | 15.98% | 204.08%-188.1pp | 133.74%-117.8pp | 551.85%-535.9pp |
| Employer contribution / active EE | $1,703 | $3,093-45.0% | $2,422-29.7% | $4,662-63.5% |
| Participant deferral / active EE | $3,954 | $4,920-19.6% | $4,417-10.5% | $6,690-40.9% |
| Admin fee / account holder | $681 | $10,249-93.4% | $8,287-91.8% | $13,392-94.9% |