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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 | $41,928 | $198,457-78.9% | $170,435-75.4% | $147,586-71.6% |
| Participation rate | 63.6% | 88.0%-24.3pp | 83.6%-20.0pp | 82.8%-19.2pp |
| Annual return | 19.11% | 257.30%-238.2pp | 205.94%-186.8pp | 578.59%-559.5pp |
| Employer contribution / active EE | $7,241 | $6,183+17.1% | $5,432+33.3% | $4,876+48.5% |
| Participant deferral / active EE | $0 | $5,629-100.0% | $4,939-100.0% | $5,439-100.0% |
| Admin fee / account holder | $1,337 | $16,852-92.1% | $13,881-90.4% | $10,886-87.7% |