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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 | $72,510 | $183,627-60.5% | $155,602-53.4% | $145,978-50.3% |
| Participation rate | 64.3% | 82.7%-18.4pp | 78.2%-13.9pp | 80.3%-16.0pp |
| Annual return | 12.12% | 61.32%-49.2pp | 64.81%-52.7pp | 550.52%-538.4pp |
| Employer contribution / active EE | $2,481 | $5,316-53.3% | $4,675-46.9% | $4,662-46.8% |
| Participant deferral / active EE | $5,645 | $6,466-12.7% | $5,629+0.3% | $6,690-15.6% |
| Admin fee / account holder | $12,816 | $19,327-33.7% | $15,923-19.5% | $13,400-4.4% |