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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 | $109,293 | $217,432-49.7% | $185,849-41.2% | $167,536-34.8% |
| Participation rate | 50.0% | 86.1%-36.1pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 11.90% | 148.42%-136.5pp | 122.10%-110.2pp | 478.82%-466.9pp |
| Employer contribution / active EE | $2,339 | $5,875-60.2% | $5,169-54.8% | $4,839-51.7% |
| Participant deferral / active EE | $6,204 | $6,357-2.4% | $5,569+11.4% | $6,342-2.2% |
| Admin fee / account holder | $1,559 | $19,818-92.1% | $16,244-90.4% | $12,315-87.3% |