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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 | $51,078 | $69,248-26.2% | $64,101-20.3% | $139,466-63.4% |
| Participation rate | 60.0% | 75.6%-15.6pp | 72.3%-12.3pp | 80.3%-20.3pp |
| Annual return | 25.57% | 45.95%-20.4pp | 33.72%-8.2pp | 373.66%-348.1pp |
| Employer contribution / active EE | $3,157 | $3,185-0.9% | $2,749+14.8% | $4,754-33.6% |
| Participant deferral / active EE | $5,172 | $4,682+10.5% | $3,881+33.3% | $6,712-22.9% |
| Admin fee / account holder | $396 | $4,247-90.7% | $3,070-87.1% | $11,409-96.5% |