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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 | $128,647 | $202,345-36.4% | $172,755-25.5% | $152,885-15.9% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 18.19% | 1029.77%-1011.6pp | 802.94%-784.7pp | 345.39%-327.2pp |
| Employer contribution / active EE | $1,570 | $5,858-73.2% | $5,144-69.5% | $4,763-67.0% |
| Participant deferral / active EE | $2,882 | $5,948-51.5% | $5,198-44.6% | $5,851-50.7% |
| Admin fee / account holder | $14,227 | $17,111-16.9% | $13,955+2.0% | $11,598+22.7% |