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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 | $36,682 | $176,794-79.3% | $146,647-75.0% | $167,553-78.1% |
| Participation rate | 62.5% | 83.6%-21.1pp | 80.1%-17.6pp | 82.1%-19.6pp |
| Annual return | 13.77% | 24.04%-10.3pp | 22.75%-9.0pp | 478.89%-465.1pp |
| Employer contribution / active EE | $1,168 | $5,161-77.4% | $4,137-71.8% | $4,840-75.9% |
| Participant deferral / active EE | $2,711 | $6,440-57.9% | $5,506-50.8% | $6,343-57.3% |
| Admin fee / account holder | $642 | $13,262-95.2% | $10,281-93.8% | $12,316-94.8% |