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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 | $44,716 | $59,467-24.8% | $93,727-52.3% | $74,478-40.0% |
| Participation rate | 65.3% | 59.6%+5.7pp | 68.7%-3.4pp | 67.2%-1.9pp |
| Annual return | 11.21% | 82.14%-70.9pp | 133.83%-122.6pp | 1370.56%-1359.4pp |
| Employer contribution / active EE | $2,180 | $1,267+72.1% | $2,421-10.0% | $2,626-17.0% |
| Participant deferral / active EE | $3,335 | $3,052+9.3% | $4,417-24.5% | $4,350-23.3% |
| Admin fee / account holder | $1,649 | $3,028-45.6% | $8,292-80.1% | $1,946-15.3% |