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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 | $56,577 | $148,629-61.9% | $135,982-58.4% | $139,487-59.4% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 38.04% | 79.33%-41.3pp | 68.32%-30.3pp | 373.84%-335.8pp |
| Employer contribution / active EE | $20,161 | $5,247+284.3% | $4,859+314.9% | $4,755+324.0% |
| Participant deferral / active EE | $5,889 | $8,102-27.3% | $7,760-24.1% | $6,713-12.3% |
| Admin fee / account holder | $456 | $12,406-96.3% | $10,767-95.8% | $11,407-96.0% |