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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 | $47,429 | $97,761-51.5% | $83,850-43.4% | $135,382-65.0% |
| Participation rate | 57.1% | 80.0%-22.8pp | 76.1%-19.0pp | 82.6%-25.5pp |
| Annual return | -5.49% | 1287.44%-1292.9pp | 850.92%-856.4pp | 519.77%-525.3pp |
| Employer contribution / active EE | $2,695 | $4,222-36.2% | $3,631-25.8% | $4,779-43.6% |
| Participant deferral / active EE | $7,021 | $4,682+50.0% | $4,082+72.0% | $5,609+25.2% |
| Admin fee / account holder | $854 | $6,674-87.2% | $5,478-84.4% | $10,829-92.1% |