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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 | $66,971 | $70,366-4.8% | $66,674+0.4% | $138,895-51.8% |
| Participation rate | 63.2% | 76.2%-13.0pp | 73.7%-10.5pp | 79.9%-16.8pp |
| Annual return | 18.69% | 386.41%-367.7pp | 321.24%-302.5pp | 145.39%-126.7pp |
| Employer contribution / active EE | $2,501 | $2,765-9.5% | $2,620-4.5% | $4,194-40.4% |
| Participant deferral / active EE | $5,036 | $4,374+15.1% | $4,084+23.3% | $6,396-21.3% |
| Admin fee / account holder | $2,347 | $5,262-55.4% | $5,098-54.0% | $12,562-81.3% |