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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 | $33,002 | $111,830-70.5% | $93,696-64.8% | $145,884-77.4% |
| Participation rate | 54.5% | 74.2%-19.7pp | 68.7%-14.2pp | 80.3%-25.8pp |
| Annual return | 13.03% | 204.08%-191.0pp | 133.74%-120.7pp | 551.85%-538.8pp |
| Employer contribution / active EE | $1,384 | $3,093-55.3% | $2,422-42.9% | $4,662-70.3% |
| Participant deferral / active EE | $5,723 | $4,920+16.3% | $4,417+29.6% | $6,690-14.4% |
| Admin fee / account holder | $697 | $10,249-93.2% | $8,287-91.6% | $13,392-94.8% |