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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 | $59,134 | $96,388-38.6% | $80,627-26.7% | $139,466-57.6% |
| Participation rate | 68.8% | 73.6%-4.9pp | 67.0%+1.7pp | 80.3%-11.6pp |
| Annual return | 17.10% | 1352.08%-1335.0pp | 936.76%-919.7pp | 373.66%-356.6pp |
| Employer contribution / active EE | $3,797 | $3,260+16.5% | $2,723+39.5% | $4,754-20.1% |
| Participant deferral / active EE | $3,864 | $5,224-26.0% | $4,443-13.0% | $6,712-42.4% |
| Admin fee / account holder | $568 | $6,603-91.4% | $5,381-89.4% | $11,409-95.0% |