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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 | $28,610 | $148,623-80.7% | $135,974-79.0% | $139,466-79.5% |
| Participation rate | 69.2% | 83.9%-14.6pp | 81.9%-12.7pp | 80.3%-11.1pp |
| Annual return | 18.07% | 79.30%-61.2pp | 68.30%-50.2pp | 373.66%-355.6pp |
| Employer contribution / active EE | $1,622 | $5,246-69.1% | $4,859-66.6% | $4,754-65.9% |
| Participant deferral / active EE | $5,946 | $8,103-26.6% | $7,760-23.4% | $6,712-11.4% |
| Admin fee / account holder | $306 | $12,406-97.5% | $10,767-97.2% | $11,409-97.3% |