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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 | $58,095 | $108,897-46.7% | $100,378-42.1% | $145,877-60.2% |
| Participation rate | 50.0% | 83.0%-33.0pp | 81.5%-31.5pp | 80.3%-30.3pp |
| Annual return | 15.11% | 58.17%-43.1pp | 49.41%-34.3pp | 551.28%-536.2pp |
| Employer contribution / active EE | $6,175 | $4,420+39.7% | $3,942+56.6% | $4,663+32.4% |
| Participant deferral / active EE | $7,394 | $8,455-12.6% | $8,087-8.6% | $6,691+10.5% |
| Admin fee / account holder | $57,694 | $9,690+495.4% | $7,899+630.4% | $13,402+330.5% |