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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 | $101,636 | $176,105-42.3% | $159,474-36.3% | $167,536-39.3% |
| Participation rate | 55.6% | 85.0%-29.4pp | 82.8%-27.3pp | 82.1%-26.6pp |
| Annual return | 15.40% | 331.91%-316.5pp | 263.68%-248.3pp | 478.82%-463.4pp |
| Employer contribution / active EE | $1,414 | $5,299-73.3% | $4,831-70.7% | $4,839-70.8% |
| Participant deferral / active EE | $3,513 | $7,751-54.7% | $7,353-52.2% | $6,342-44.6% |
| Admin fee / account holder | $2,971 | $12,559-76.3% | $10,802-72.5% | $12,315-75.9% |