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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 | $135,379 | $68,394+97.9% | $94,672+43.0% | $75,177+80.1% |
| Participation rate | 67.9% | 76.1%-8.2pp | 80.8%-13.0pp | 67.2%+0.7pp |
| Annual return | 15.67% | 616.92%-601.3pp | 156.89%-141.2pp | 160.75%-145.1pp |
| Employer contribution / active EE | $512 | $2,701-81.0% | $3,673-86.0% | $2,671-80.8% |
| Participant deferral / active EE | $6,114 | $6,536-6.5% | $7,417-17.6% | $4,126+48.2% |
| Admin fee / account holder | $10,221 | $5,326+91.9% | $7,222+41.5% | $5,651+80.9% |