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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 | $28,369 | $106,267-73.3% | $96,520-70.6% | $139,456-79.7% |
| Participation rate | 55.6% | 77.8%-22.3pp | 74.3%-18.8pp | 80.3%-24.8pp |
| Annual return | 26.21% | 38.45%-12.2pp | 35.72%-9.5pp | 373.45%-347.2pp |
| Employer contribution / active EE | $2,183 | $4,105-46.8% | $3,739-41.6% | $4,753-54.1% |
| Participant deferral / active EE | $4,135 | $5,454-24.2% | $4,879-15.2% | $6,711-38.4% |
| Admin fee / account holder | $660 | $7,882-91.6% | $6,733-90.2% | $11,407-94.2% |