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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 | $87,213 | $100,938-13.6% | $90,461-3.6% | $158,982-45.1% |
| Participation rate | 69.2% | 75.0%-5.8pp | 72.7%-3.5pp | 82.0%-12.7pp |
| Annual return | 13.08% | 1727.20%-1714.1pp | 1294.76%-1281.7pp | 302.99%-289.9pp |
| Employer contribution / active EE | $628 | $3,691-83.0% | $3,264-80.8% | $4,763-86.8% |
| Participant deferral / active EE | $1,931 | $4,350-55.6% | $3,964-51.3% | $5,983-67.7% |
| Admin fee / account holder | $4,665 | $6,510-28.3% | $5,617-16.9% | $11,252-58.5% |