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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 | $111,199 | $106,894+4.0% | $84,016+32.4% | $152,870-27.3% |
| Participation rate | 61.9% | 75.2%-13.3pp | 69.0%-7.1pp | 82.4%-20.5pp |
| Annual return | 21.67% | 104.99%-83.3pp | 71.31%-49.6pp | 345.34%-323.7pp |
| Employer contribution / active EE | $992 | $2,734-63.7% | $1,983-50.0% | $4,763-79.2% |
| Participant deferral / active EE | $3,486 | $4,011-13.1% | $3,239+7.6% | $5,850-40.4% |
| Admin fee / account holder | $1,594 | $8,286-80.8% | $6,101-73.9% | $11,597-86.3% |