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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 | $103,800 | $99,995+3.8% | $85,063+22.0% | $145,978-28.9% |
| Participation rate | 61.9% | 74.1%-12.2pp | 67.5%-5.6pp | 80.3%-18.4pp |
| Annual return | 78.08% | 83.99%-5.9pp | 66.54%+11.5pp | 550.52%-472.4pp |
| Employer contribution / active EE | $2,910 | $3,231-10.0% | $2,727+6.7% | $4,662-37.6% |
| Participant deferral / active EE | $6,629 | $5,295+25.2% | $4,523+46.6% | $6,690-0.9% |
| Admin fee / account holder | $28,382 | $7,255+291.2% | $6,155+361.1% | $13,400+111.8% |