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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 | $41,251 | $100,073-58.8% | $85,126-51.5% | $145,877-71.7% |
| Participation rate | 64.7% | 74.1%-9.4pp | 67.5%-2.8pp | 80.3%-15.6pp |
| Annual return | 14.85% | 84.11%-69.3pp | 66.63%-51.8pp | 551.28%-536.4pp |
| Employer contribution / active EE | $4,483 | $3,236+38.5% | $2,731+64.1% | $4,663-3.9% |
| Participant deferral / active EE | $9,126 | $5,294+72.4% | $4,523+101.8% | $6,691+36.4% |
| Admin fee / account holder | $3,744 | $7,261-48.4% | $6,160-39.2% | $13,402-72.1% |