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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 | $93,816 | $166,089-43.5% | $164,928-43.1% | $145,978-35.7% |
| Participation rate | 57.1% | 82.0%-24.9pp | 78.6%-21.5pp | 80.3%-23.1pp |
| Annual return | 9.26% | 100.26%-91.0pp | 70.08%-60.8pp | 550.52%-541.3pp |
| Employer contribution / active EE | $1,230 | $5,276-76.7% | $4,343-71.7% | $4,662-73.6% |
| Participant deferral / active EE | $4,598 | $6,961-34.0% | $6,034-23.8% | $6,690-31.3% |
| Admin fee / account holder | $2,385 | $16,641-85.7% | $12,684-81.2% | $13,400-82.2% |