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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 | $42,546 | $160,040-73.4% | $147,096-71.1% | $145,877-70.8% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 16.46% | 98.49%-82.0pp | 419.75%-403.3pp | 551.28%-534.8pp |
| Employer contribution / active EE | $2,019 | $5,289-61.8% | $4,936-59.1% | $4,663-56.7% |
| Participant deferral / active EE | $6,394 | $8,429-24.1% | $8,071-20.8% | $6,691-4.4% |
| Admin fee / account holder | $1,998 | $15,050-86.7% | $13,005-84.6% | $13,402-85.1% |