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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 | $67,231 | $112,935-40.5% | $90,970-26.1% | $158,966-57.7% |
| Participation rate | 44.4% | 74.7%-30.3pp | 69.0%-24.6pp | 82.0%-37.5pp |
| Annual return | 19.19% | 215.79%-196.6pp | 134.58%-115.4pp | 302.95%-283.8pp |
| Employer contribution / active EE | $1,754 | $2,895-39.4% | $2,122-17.4% | $4,762-63.2% |
| Participant deferral / active EE | $2,090 | $4,129-49.4% | $3,373-38.0% | $5,983-65.1% |
| Admin fee / account holder | $1,143 | $8,045-85.8% | $5,960-80.8% | $11,250-89.8% |