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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 | $38,690 | $114,013-66.1% | $103,693-62.7% | $155,188-75.1% |
| Participation rate | 41.7% | 75.2%-33.5pp | 72.6%-31.0pp | 80.8%-39.1pp |
| Annual return | 144.40% | 49.31%+95.1pp | 47.61%+96.8pp | 148.84%-4.4pp |
| Employer contribution / active EE | $1,225 | $3,131-60.9% | $2,920-58.1% | $4,248-71.2% |
| Participant deferral / active EE | $2,000 | $4,970-59.7% | $4,579-56.3% | $6,531-69.4% |
| Admin fee / account holder | $356 | $8,407-95.8% | $7,858-95.5% | $14,480-97.5% |