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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 | $48,136 | $100,073-51.9% | $85,126-43.5% | $145,877-67.0% |
| Participation rate | 55.6% | 74.1%-18.5pp | 67.5%-12.0pp | 80.3%-24.7pp |
| Annual return | 13.93% | 84.11%-70.2pp | 66.63%-52.7pp | 551.28%-537.4pp |
| Employer contribution / active EE | $666 | $3,236-79.4% | $2,731-75.6% | $4,663-85.7% |
| Participant deferral / active EE | $1,580 | $5,294-70.2% | $4,523-65.1% | $6,691-76.4% |
| Admin fee / account holder | $590 | $7,261-91.9% | $6,160-90.4% | $13,402-95.6% |