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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 | $243,732 | $201,370+21.0% | $184,256+32.3% | $145,897+67.1% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 19.17% | 29.05%-9.9pp | 28.85%-9.7pp | 552.29%-533.1pp |
| Employer contribution / active EE | $6,437 | $7,024-8.4% | $6,427+0.1% | $4,663+38.0% |
| Participant deferral / active EE | $13,914 | $9,808+41.9% | $9,133+52.3% | $6,689+108.0% |
| Admin fee / account holder | $1,833 | $16,364-88.8% | $13,899-86.8% | $13,390-86.3% |