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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 | $153,558 | $176,794-13.1% | $146,647+4.7% | $167,553-8.4% |
| Participation rate | 55.6% | 83.6%-28.1pp | 80.1%-24.5pp | 82.1%-26.6pp |
| Annual return | 15.56% | 24.04%-8.5pp | 22.75%-7.2pp | 478.89%-463.3pp |
| Employer contribution / active EE | $2,488 | $5,161-51.8% | $4,137-39.9% | $4,840-48.6% |
| Participant deferral / active EE | $6,016 | $6,440-6.6% | $5,506+9.3% | $6,343-5.2% |
| Admin fee / account holder | $1,954 | $13,262-85.3% | $10,281-81.0% | $12,316-84.1% |