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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 | $68,599 | $57,330+19.7% | $86,656-20.8% | $75,177-8.8% |
| Participation rate | 36.2% | 63.2%-27.0pp | 71.7%-35.5pp | 67.2%-31.0pp |
| Annual return | 18.18% | 2675.40%-2657.2pp | 593.09%-574.9pp | 160.75%-142.6pp |
| Employer contribution / active EE | $1,099 | $2,316-52.6% | $3,025-63.7% | $2,671-58.9% |
| Participant deferral / active EE | $2,407 | $3,320-27.5% | $4,439-45.8% | $4,126-41.7% |
| Admin fee / account holder | $2,426 | $4,115-41.0% | $5,619-56.8% | $5,651-57.1% |