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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 | $48,991 | $109,411-55.2% | $89,435-45.2% | $158,982-69.2% |
| Participation rate | 63.6% | 74.3%-10.6pp | 68.0%-4.3pp | 82.0%-18.3pp |
| Annual return | 11.33% | 345.68%-334.3pp | 245.55%-234.2pp | 302.99%-291.7pp |
| Employer contribution / active EE | $2,456 | $3,173-22.6% | $2,587-5.1% | $4,763-48.4% |
| Participant deferral / active EE | $3,684 | $4,600-19.9% | $3,890-5.3% | $5,983-38.4% |
| Admin fee / account holder | $7,067 | $6,159+14.8% | $4,884+44.7% | $11,252-37.2% |