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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 | $175,760 | $165,361+6.3% | $149,715+17.4% | $158,950+10.6% |
| Participation rate | 60.9% | 84.6%-23.7pp | 82.5%-21.6pp | 82.0%-21.1pp |
| Annual return | 16.91% | 348.24%-331.3pp | 276.66%-259.8pp | 302.91%-286.0pp |
| Employer contribution / active EE | $2,427 | $5,103-52.4% | $4,645-47.8% | $4,762-49.0% |
| Participant deferral / active EE | $9,172 | $7,182+27.7% | $6,842+34.1% | $5,983+53.3% |
| Admin fee / account holder | $6,509 | $10,808-39.8% | $9,310-30.1% | $11,248-42.1% |