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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 | $46,739 | $111,535-58.1% | $105,223-55.6% | $137,256-65.9% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 80.0%-22.8pp |
| Annual return | 22.21% | 237.85%-215.6pp | 180.65%-158.4pp | 220.34%-198.1pp |
| Employer contribution / active EE | $1,418 | $3,939-64.0% | $3,689-61.6% | $4,156-65.9% |
| Participant deferral / active EE | $4,804 | $5,500-12.7% | $5,072-5.3% | $6,407-25.0% |
| Admin fee / account holder | $363 | $9,721-96.3% | $8,859-95.9% | $12,270-97.0% |