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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 | $37,598 | $80,674-53.4% | $119,126-68.4% | $64,340-41.6% |
| Participation rate | 44.6% | 55.2%-10.6pp | 75.8%-31.1pp | 55.2%-10.6pp |
| Annual return | 63.19% | 26.86%+36.3pp | 282.11%-218.9pp | 24.14%+39.0pp |
| Employer contribution / active EE | $1,463 | $2,564-42.9% | $4,034-63.7% | $1,862-21.4% |
| Participant deferral / active EE | $2,144 | $3,053-29.8% | $5,318-59.7% | $2,980-28.0% |
| Admin fee / account holder | $1,000 | $4,559-78.1% | $10,693-90.7% | $3,703-73.0% |