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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 | $69,769 | $60,504+15.3% | $81,882-14.8% | $74,478-6.3% |
| Participation rate | 50.3% | 62.9%-12.6pp | 72.4%-22.1pp | 67.2%-16.9pp |
| Annual return | 14.69% | 16.91%-2.2pp | 779.47%-764.8pp | 1370.56%-1355.9pp |
| Employer contribution / active EE | $1,063 | $2,627-59.5% | $2,916-63.5% | $2,626-59.5% |
| Participant deferral / active EE | $3,116 | $3,400-8.4% | $4,323-27.9% | $4,350-28.4% |
| Admin fee / account holder | $7,218 | $1,492+383.8% | $7,360-1.9% | $1,946+270.9% |