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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 | $134,455 | $80,812+66.4% | $160,784-16.4% | $82,448+63.1% |
| Participation rate | 34.8% | 66.2%-31.4pp | 77.0%-42.1pp | 68.1%-33.2pp |
| Annual return | 17.97% | 100.59%-82.6pp | 1803.92%-1785.9pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,423 | $2,174-34.6% | $3,733-61.9% | $2,551-44.2% |
| Participant deferral / active EE | $2,590 | $4,335-40.3% | $6,293-58.8% | $4,139-37.4% |
| Admin fee / account holder | $884 | $7,695-88.5% | $9,717-90.9% | $7,234-87.8% |