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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 | $19,235 | $106,008-81.9% | $92,240-79.1% | $147,586-87.0% |
| Participation rate | 58.3% | 80.4%-22.1pp | 76.5%-18.1pp | 82.8%-24.5pp |
| Annual return | 20.06% | 50.05%-30.0pp | 176.29%-156.2pp | 578.59%-558.5pp |
| Employer contribution / active EE | $1,410 | $4,333-67.5% | $3,680-61.7% | $4,876-71.1% |
| Participant deferral / active EE | $2,527 | $4,478-43.6% | $3,897-35.1% | $5,439-53.5% |
| Admin fee / account holder | $2,044 | $6,333-67.7% | $5,194-60.7% | $10,886-81.2% |