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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 | $58,611 | $57,305+2.3% | $86,640-32.4% | $75,173-22.0% |
| Participation rate | 48.6% | 63.2%-14.6pp | 71.7%-23.1pp | 67.2%-18.6pp |
| Annual return | 14.97% | 2674.24%-2659.3pp | 592.52%-577.6pp | 160.72%-145.8pp |
| Employer contribution / active EE | $990 | $2,316-57.3% | $3,024-67.3% | $2,671-62.9% |
| Participant deferral / active EE | $1,968 | $3,320-40.7% | $4,438-55.7% | $4,126-52.3% |
| Admin fee / account holder | $968 | $4,116-76.5% | $5,616-82.8% | $5,651-82.9% |