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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 | $101,781 | $124,351-18.2% | $109,188-6.8% | $167,553-39.3% |
| Participation rate | 50.0% | 79.4%-29.4pp | 75.9%-25.9pp | 82.1%-32.1pp |
| Annual return | 13.92% | 26.04%-12.1pp | 25.76%-11.8pp | 478.89%-465.0pp |
| Employer contribution / active EE | $1,082 | $4,210-74.3% | $3,723-70.9% | $4,840-77.7% |
| Participant deferral / active EE | $1,790 | $5,257-65.9% | $4,654-61.5% | $6,343-71.8% |
| Admin fee / account holder | $17,146 | $7,975+115.0% | $6,755+153.8% | $12,316+39.2% |