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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 | $52,291 | $99,053-47.2% | $88,179-40.7% | $138,895-62.4% |
| Participation rate | 55.6% | 74.2%-18.7pp | 69.1%-13.6pp | 79.9%-24.4pp |
| Annual return | 12.09% | 78.17%-66.1pp | 64.97%-52.9pp | 145.39%-133.3pp |
| Employer contribution / active EE | $1,390 | $2,882-51.8% | $2,549-45.5% | $4,194-66.9% |
| Participant deferral / active EE | $2,269 | $5,225-56.6% | $4,614-50.8% | $6,396-64.5% |
| Admin fee / account holder | $2,045 | $8,748-76.6% | $7,673-73.4% | $12,562-83.7% |