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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 | $59,916 | $99,652-39.9% | $78,778-23.9% | $147,586-59.4% |
| Participation rate | 58.3% | 76.2%-17.9pp | 69.2%-10.9pp | 82.8%-24.5pp |
| Annual return | 19.62% | 47.28%-27.7pp | 35.62%-16.0pp | 578.59%-559.0pp |
| Employer contribution / active EE | $1,834 | $2,796-34.4% | $1,986-7.6% | $4,876-62.4% |
| Participant deferral / active EE | $4,192 | $3,664+14.4% | $2,958+41.7% | $5,439-22.9% |
| Admin fee / account holder | $14,884 | $7,155+108.0% | $5,134+189.9% | $10,886+36.7% |