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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 | $191,599 | $63,346+202.5% | $92,240+107.7% | $70,126+173.2% |
| Participation rate | 66.0% | 68.7%-2.7pp | 76.5%-10.5pp | 69.5%-3.6pp |
| Annual return | 20.04% | 530.19%-510.2pp | 176.29%-156.3pp | 73.15%-53.1pp |
| Employer contribution / active EE | $4,167 | $2,471+68.6% | $3,680+13.2% | $2,343+77.9% |
| Participant deferral / active EE | $3,299 | $2,854+15.6% | $3,897-15.3% | $3,332-1.0% |
| Admin fee / account holder | $12,157 | $3,841+216.5% | $5,194+134.1% | $4,645+161.7% |