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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 | $59,926 | $92,224-35.0% | $105,223-43.0% | $79,634-24.7% |
| Participation rate | 17.5% | 69.2%-51.7pp | 75.0%-57.6pp | 62.5%-45.0pp |
| Annual return | 21.68% | 88.65%-67.0pp | 180.65%-159.0pp | 36.46%-14.8pp |
| Employer contribution / active EE | $795 | $3,965-79.9% | $3,689-78.4% | $2,529-68.6% |
| Participant deferral / active EE | $1,318 | $3,834-65.6% | $5,072-74.0% | $3,835-65.6% |
| Admin fee / account holder | $1,047 | $1,121-6.6% | $8,859-88.2% | $1,002+4.5% |