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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 | $75,858 | $65,566+15.7% | $86,235-12.0% | $75,177+0.9% |
| Participation rate | 55.6% | 60.5%-4.9pp | 69.0%-13.4pp | 67.2%-11.6pp |
| Annual return | 13.78% | 46.07%-32.3pp | 1170.03%-1156.3pp | 160.75%-147.0pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,133 | $3,023-29.5% | $3,987-46.5% | $4,126-48.3% |
| Admin fee / account holder | $1,542 | $5,470-71.8% | $6,856-77.5% | $5,651-72.7% |