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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 | $33,877 | $183,592-81.5% | $155,574-78.2% | $145,877-76.8% |
| Participation rate | 56.3% | 82.7%-26.4pp | 78.2%-22.0pp | 80.3%-24.1pp |
| Annual return | 14.30% | 61.37%-47.1pp | 64.87%-50.6pp | 551.28%-537.0pp |
| Employer contribution / active EE | $1,706 | $5,317-67.9% | $4,676-63.5% | $4,663-63.4% |
| Participant deferral / active EE | $3,926 | $6,466-39.3% | $5,629-30.3% | $6,691-41.3% |
| Admin fee / account holder | $6,852 | $19,316-64.5% | $15,914-56.9% | $13,402-48.9% |