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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 | $154,186 | $157,296-2.0% | $141,191+9.2% | $152,897+0.8% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 19.36% | 64.34%-45.0pp | 71.41%-52.0pp | 345.43%-326.1pp |
| Employer contribution / active EE | $2,270 | $5,262-56.9% | $4,736-52.1% | $4,764-52.3% |
| Participant deferral / active EE | $3,420 | $7,111-51.9% | $6,710-49.0% | $5,851-41.5% |
| Admin fee / account holder | $3,229 | $12,125-73.4% | $10,264-68.5% | $11,599-72.2% |