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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 | $58,805 | $166,020-64.6% | $164,866-64.3% | $145,959-59.7% |
| Participation rate | 43.8% | 82.0%-38.3pp | 78.6%-34.9pp | 80.3%-36.5pp |
| Annual return | 11.85% | 100.08%-88.2pp | 69.97%-58.1pp | 561.95%-550.1pp |
| Employer contribution / active EE | $1,972 | $5,275-62.6% | $4,343-54.6% | $4,661-57.7% |
| Participant deferral / active EE | $3,773 | $6,961-45.8% | $6,033-37.5% | $6,689-43.6% |
| Admin fee / account holder | $7,884 | $16,644-52.6% | $12,689-37.9% | $13,398-41.2% |