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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 | $50,285 | $88,778-43.4% | $81,844-38.6% | $145,884-65.5% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 11.98% | 1033.03%-1021.0pp | 778.87%-766.9pp | 551.85%-539.9pp |
| Employer contribution / active EE | $2,546 | $3,087-17.5% | $2,916-12.7% | $4,662-45.4% |
| Participant deferral / active EE | $3,615 | $4,648-22.2% | $4,323-16.4% | $6,690-46.0% |
| Admin fee / account holder | $447 | $8,430-94.7% | $7,355-93.9% | $13,392-96.7% |