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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 | $44,227 | $160,070-72.4% | $147,117-69.9% | $145,897-69.7% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 10.89% | 98.69%-87.8pp | 420.54%-409.6pp | 552.29%-541.4pp |
| Employer contribution / active EE | $3,743 | $5,285-29.2% | $4,932-24.1% | $4,663-19.7% |
| Participant deferral / active EE | $5,353 | $8,419-36.4% | $8,065-33.6% | $6,689-20.0% |
| Admin fee / account holder | $1,016 | $15,035-93.2% | $12,993-92.2% | $13,390-92.4% |