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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 | $99,364 | $56,431+76.1% | $130,788-24.0% | $87,485+13.6% |
| Participation rate | 69.0% | 58.9%+10.0pp | 70.1%-1.1pp | 68.9%0pp |
| Annual return | 15.04% | 91.27%-76.2pp | 386.44%-371.4pp | 26.06%-11.0pp |
| Employer contribution / active EE | $0 | $1,549-100.0% | $3,558-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,050 | $2,749+47.3% | $4,137-2.1% | $4,274-5.2% |
| Admin fee / account holder | $1,451 | $4,433-67.3% | $6,673-78.3% | $7,775-81.3% |