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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 | $50,889 | $86,294-41.0% | $111,303-54.3% | $85,856-40.7% |
| Participation rate | 56.0% | 73.3%-17.3pp | 77.3%-21.3pp | 69.3%-13.3pp |
| Annual return | 20.03% | 19.99%0pp | 54.66%-34.6pp | 318.58%-298.6pp |
| Employer contribution / active EE | $1,907 | $2,043-6.7% | $2,731-30.2% | $2,565-25.6% |
| Participant deferral / active EE | $3,563 | $3,641-2.2% | $4,487-20.6% | $3,952-9.9% |
| Admin fee / account holder | $926 | $8,189-88.7% | $7,966-88.4% | $6,261-85.2% |