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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 | $8,383 | $123,859-93.2% | $69,632-88.0% | $145,897-94.3% |
| Participation rate | 60.0% | 69.2%-9.2pp | 66.4%-6.4pp | 80.3%-20.3pp |
| Annual return | 14.14% | 192.49%-178.4pp | 101.32%-87.2pp | 552.29%-538.2pp |
| Employer contribution / active EE | $1,226 | $2,673-54.2% | $1,708-28.3% | $4,663-73.7% |
| Participant deferral / active EE | $1,640 | $4,242-61.3% | $2,889-43.2% | $6,689-75.5% |
| Admin fee / account holder | $3,398 | $7,817-56.5% | $4,695-27.6% | $13,390-74.6% |