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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 | $39,309 | $58,828-33.2% | $78,002-49.6% | $62,881-37.5% |
| Participation rate | 63.6% | 71.1%-7.4pp | 75.5%-11.9pp | 69.3%-5.7pp |
| Annual return | 57.10% | 17.16%+39.9pp | 425.99%-368.9pp | 20.14%+37.0pp |
| Employer contribution / active EE | $1,052 | $1,672-37.1% | $2,470-57.4% | $2,281-53.9% |
| Participant deferral / active EE | $1,863 | $2,686-30.6% | $3,497-46.7% | $3,203-41.8% |
| Admin fee / account holder | $1,433 | $4,393-67.4% | $5,481-73.9% | $4,296-66.6% |