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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 | $65,125 | $95,406-31.7% | $185,849-65.0% | $85,847-24.1% |
| Participation rate | 60.0% | 68.8%-8.8pp | 81.7%-21.7pp | 69.3%-9.3pp |
| Annual return | 12.55% | 23.59%-11.0pp | 122.10%-109.5pp | 318.61%-306.1pp |
| Employer contribution / active EE | $1,956 | $3,314-41.0% | $5,169-62.1% | $2,565-23.7% |
| Participant deferral / active EE | $3,403 | $3,424-0.6% | $5,569-38.9% | $3,952-13.9% |
| Admin fee / account holder | $2,877 | $7,214-60.1% | $16,244-82.3% | $6,261-54.1% |