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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 | $60,632 | $166,131-63.5% | $164,975-63.2% | $145,877-58.4% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.6%-11.9pp | 80.3%-13.6pp |
| Annual return | 9.06% | 100.37%-91.3pp | 70.12%-61.1pp | 551.28%-542.2pp |
| Employer contribution / active EE | $1,444 | $5,276-72.6% | $4,343-66.7% | $4,663-69.0% |
| Participant deferral / active EE | $4,087 | $6,962-41.3% | $6,033-32.3% | $6,691-38.9% |
| Admin fee / account holder | $704 | $16,648-95.8% | $12,688-94.4% | $13,402-94.7% |