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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 | $25,723 | $106,008-75.7% | $92,240-72.1% | $147,586-82.6% |
| Participation rate | 50.0% | 80.4%-30.4pp | 76.5%-26.5pp | 82.8%-32.8pp |
| Annual return | 9.92% | 50.05%-40.1pp | 176.29%-166.4pp | 578.59%-568.7pp |
| Employer contribution / active EE | $2,152 | $4,333-50.3% | $3,680-41.5% | $4,876-55.9% |
| Participant deferral / active EE | $2,094 | $4,478-53.2% | $3,897-46.3% | $5,439-61.5% |
| Admin fee / account holder | $1,476 | $6,333-76.7% | $5,194-71.6% | $10,886-86.4% |