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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 | $47,774 | $104,953-54.5% | $84,637-43.6% | $152,909-68.8% |
| Participation rate | 60.0% | 74.8%-14.8pp | 68.2%-8.2pp | 82.5%-22.5pp |
| Annual return | 15.95% | 373.94%-358.0pp | 258.82%-242.9pp | 345.46%-329.5pp |
| Employer contribution / active EE | $0 | $3,304-100.0% | $2,653-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $6,492 | $4,691+38.4% | $3,900+66.4% | $5,851+10.9% |
| Admin fee / account holder | $4,256 | $6,244-31.8% | $4,914-13.4% | $11,601-63.3% |