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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 | $56,529 | $102,422-44.8% | $147,117-61.6% | $80,959-30.2% |
| Participation rate | 69.0% | 75.9%-6.9pp | 82.2%-13.2pp | 67.7%+1.3pp |
| Annual return | 17.61% | 135.16%-117.5pp | 420.54%-402.9pp | 35.67%-18.1pp |
| Employer contribution / active EE | $1,900 | $3,717-48.9% | $4,932-61.5% | $2,757-31.1% |
| Participant deferral / active EE | $5,396 | $6,652-18.9% | $8,065-33.1% | $4,300+25.5% |
| Admin fee / account holder | $619 | $7,953-92.2% | $12,993-95.2% | $6,925-91.1% |