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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 | $59,085 | $124,336-52.5% | $111,303-46.9% | $167,518-64.7% |
| Participation rate | 44.4% | 79.6%-35.2pp | 77.3%-32.9pp | 82.1%-37.7pp |
| Annual return | 17.14% | 37.45%-20.3pp | 54.66%-37.5pp | 478.71%-461.6pp |
| Employer contribution / active EE | $1,400 | $3,436-59.2% | $2,731-48.7% | $4,838-71.1% |
| Participant deferral / active EE | $6,289 | $5,181+21.4% | $4,487+40.2% | $6,342-0.8% |
| Admin fee / account holder | $1,425 | $10,623-86.6% | $7,966-82.1% | $12,312-88.4% |