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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 | $52,057 | $105,160-50.5% | $94,679-45.0% | $139,456-62.7% |
| Participation rate | 66.7% | 82.4%-15.7pp | 80.8%-14.2pp | 80.3%-13.7pp |
| Annual return | 17.48% | 38.04%-20.6pp | 156.75%-139.3pp | 373.45%-356.0pp |
| Employer contribution / active EE | $1,402 | $4,107-65.9% | $3,673-61.8% | $4,753-70.5% |
| Participant deferral / active EE | $3,402 | $7,599-55.2% | $7,417-54.1% | $6,711-49.3% |
| Admin fee / account holder | $490 | $8,988-94.5% | $7,233-93.2% | $11,407-95.7% |