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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 | $70,541 | $135,956-48.1% | $123,894-43.1% | $273,972-74.3% |
| Participation rate | 47.1% | 84.1%-37.0pp | 81.4%-34.4pp | 83.0%-36.0pp |
| Annual return | 118.98% | 56.63%+62.4pp | 47.52%+71.5pp | 41.46%+77.5pp |
| Employer contribution / active EE | $2,241 | $5,170-56.7% | $4,617-51.5% | $4,869-54.0% |
| Participant deferral / active EE | $5,123 | $6,343-19.2% | $5,984-14.4% | $5,287-3.1% |
| Admin fee / account holder | $8,540 | $9,817-13.0% | $8,357+2.2% | $10,133-15.7% |