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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 | $39,740 | $209,422-81.0% | $178,503-77.7% | $158,982-75.0% |
| Participation rate | 60.9% | 86.4%-25.5pp | 81.9%-21.1pp | 82.0%-21.1pp |
| Annual return | 17.13% | 188.81%-171.7pp | 151.12%-134.0pp | 302.99%-285.9pp |
| Employer contribution / active EE | $1,338 | $5,707-76.6% | $5,011-73.3% | $4,763-71.9% |
| Participant deferral / active EE | $4,129 | $5,955-30.7% | $5,202-20.6% | $5,983-31.0% |
| Admin fee / account holder | $497 | $17,079-97.1% | $13,987-96.4% | $11,252-95.6% |