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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 | $28,941 | $134,817-78.5% | $123,973-76.7% | $155,188-81.4% |
| Participation rate | 62.5% | 79.4%-16.9pp | 76.7%-14.2pp | 80.8%-18.3pp |
| Annual return | 19.90% | 515.49%-495.6pp | 388.13%-368.2pp | 148.84%-128.9pp |
| Employer contribution / active EE | $2,577 | $4,425-41.8% | $4,126-37.5% | $4,248-39.3% |
| Participant deferral / active EE | $3,575 | $5,706-37.3% | $5,247-31.9% | $6,531-45.3% |
| Admin fee / account holder | $1,669 | $13,245-87.4% | $11,799-85.9% | $14,480-88.5% |