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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 | $179,816 | $110,337+63.0% | $102,383+75.6% | $145,877+23.3% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | 9.98% | 24.83%-14.9pp | 24.94%-15.0pp | 551.28%-541.3pp |
| Employer contribution / active EE | $3,646 | $4,216-13.5% | $3,870-5.8% | $4,663-21.8% |
| Participant deferral / active EE | $5,189 | $5,621-7.7% | $5,060+2.6% | $6,691-22.4% |
| Admin fee / account holder | $28,041 | $9,750+187.6% | $8,391+234.2% | $13,402+109.2% |