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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 | $53,412 | $157,304-66.0% | $141,197-62.2% | $152,909-65.1% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 15.99% | 64.34%-48.3pp | 71.41%-55.4pp | 345.46%-329.5pp |
| Employer contribution / active EE | $13,725 | $5,263+160.8% | $4,736+189.8% | $4,764+188.1% |
| Participant deferral / active EE | $9,233 | $7,111+29.8% | $6,710+37.6% | $5,851+57.8% |
| Admin fee / account holder | $7,780 | $12,126-35.8% | $10,265-24.2% | $11,601-32.9% |