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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 | $70,655 | $160,070-55.9% | $147,117-52.0% | $145,897-51.6% |
| Participation rate | 64.3% | 84.0%-19.7pp | 82.2%-17.9pp | 80.3%-16.0pp |
| Annual return | 11.77% | 98.69%-86.9pp | 420.54%-408.8pp | 552.29%-540.5pp |
| Employer contribution / active EE | $3,304 | $5,285-37.5% | $4,932-33.0% | $4,663-29.1% |
| Participant deferral / active EE | $7,207 | $8,419-14.4% | $8,065-10.6% | $6,689+7.7% |
| Admin fee / account holder | $1,187 | $15,035-92.1% | $12,993-90.9% | $13,390-91.1% |