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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 | $55,957 | $108,911-48.6% | $100,392-44.3% | $145,884-61.6% |
| Participation rate | 40.0% | 83.0%-43.0pp | 81.5%-41.5pp | 80.3%-40.3pp |
| Annual return | 14.38% | 58.23%-43.8pp | 49.45%-35.1pp | 551.85%-537.5pp |
| Employer contribution / active EE | $1,727 | $4,420-60.9% | $3,941-56.2% | $4,662-63.0% |
| Participant deferral / active EE | $4,958 | $8,459-41.4% | $8,090-38.7% | $6,690-25.9% |
| Admin fee / account holder | $4,037 | $9,698-58.4% | $7,904-48.9% | $13,392-69.9% |