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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 | $82,627 | $93,345-11.5% | $119,126-30.6% | $87,485-5.6% |
| Participation rate | 47.1% | 68.7%-21.7pp | 75.8%-28.7pp | 68.9%-21.9pp |
| Annual return | 18.62% | 19.08%-0.5pp | 282.11%-263.5pp | 26.06%-7.4pp |
| Employer contribution / active EE | $1,824 | $3,172-42.5% | $4,034-54.8% | $2,596-29.7% |
| Participant deferral / active EE | $3,715 | $4,099-9.4% | $5,318-30.1% | $4,274-13.1% |
| Admin fee / account holder | $4,946 | $8,039-38.5% | $10,693-53.7% | $7,775-36.4% |