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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 | $46,408 | $183,592-74.7% | $155,567-70.2% | $145,959-68.2% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 9.17% | 61.24%-52.1pp | 64.74%-55.6pp | 561.95%-552.8pp |
| Employer contribution / active EE | $4,425 | $5,315-16.7% | $4,674-5.3% | $4,661-5.1% |
| Participant deferral / active EE | $6,938 | $6,464+7.3% | $5,628+23.3% | $6,689+3.7% |
| Admin fee / account holder | $3,984 | $19,318-79.4% | $15,916-75.0% | $13,398-70.3% |