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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 | $109,318 | $47,479+130.2% | $62,929+73.7% | $82,448+32.6% |
| Participation rate | 45.1% | 66.9%-21.8pp | 73.1%-28.0pp | 68.1%-23.0pp |
| Annual return | 13.52% | 20.34%-6.8pp | 1063.93%-1050.4pp | 41.64%-28.1pp |
| Employer contribution / active EE | $1,736 | $1,885-7.9% | $2,505-30.7% | $2,551-31.9% |
| Participant deferral / active EE | $3,428 | $2,870+19.4% | $3,888-11.8% | $4,139-17.2% |
| Admin fee / account holder | $15,022 | $3,804+294.9% | $5,065+196.6% | $7,234+107.6% |