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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 | $101,911 | $107,353-5.1% | $92,903+9.7% | $152,885-33.3% |
| Participation rate | 52.2% | 79.8%-27.6pp | 76.0%-23.8pp | 82.5%-30.3pp |
| Annual return | 19.92% | 145.62%-125.7pp | 109.43%-89.5pp | 345.39%-325.5pp |
| Employer contribution / active EE | $1,095 | $4,222-74.1% | $3,653-70.0% | $4,763-77.0% |
| Participant deferral / active EE | $3,748 | $4,848-22.7% | $4,238-11.6% | $5,851-35.9% |
| Admin fee / account holder | $1,234 | $7,081-82.6% | $5,795-78.7% | $11,598-89.4% |