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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 | $30,133 | $159,978-81.2% | $147,041-79.5% | $145,978-79.4% |
| Participation rate | 54.5% | 84.0%-29.5pp | 82.2%-27.6pp | 80.3%-25.7pp |
| Annual return | 11.65% | 98.36%-86.7pp | 419.21%-407.6pp | 550.52%-538.9pp |
| Employer contribution / active EE | $7,406 | $5,288+40.0% | $4,935+50.1% | $4,662+58.9% |
| Participant deferral / active EE | $11,606 | $8,429+37.7% | $8,071+43.8% | $6,690+73.5% |
| Admin fee / account holder | $1,144 | $15,053-92.4% | $13,006-91.2% | $13,400-91.5% |