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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 | $74,097 | $93,345-20.6% | $119,126-37.8% | $87,485-15.3% |
| Participation rate | 63.3% | 68.7%-5.4pp | 75.8%-12.4pp | 68.9%-5.6pp |
| Annual return | 16.77% | 19.08%-2.3pp | 282.11%-265.3pp | 26.06%-9.3pp |
| Employer contribution / active EE | $1,049 | $3,172-66.9% | $4,034-74.0% | $2,596-59.6% |
| Participant deferral / active EE | $3,163 | $4,099-22.8% | $5,318-40.5% | $4,274-26.0% |
| Admin fee / account holder | $1,333 | $8,039-83.4% | $10,693-87.5% | $7,775-82.9% |