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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 | $97,162 | $102,595-5.3% | $94,057+3.3% | $154,746-37.2% |
| Participation rate | 68.2% | 76.0%-7.8pp | 73.3%-5.2pp | 80.7%-12.5pp |
| Annual return | 16.40% | 583.42%-567.0pp | 480.62%-464.2pp | 172.34%-155.9pp |
| Employer contribution / active EE | $2,963 | $3,147-5.9% | $2,933+1.0% | $4,379-32.3% |
| Participant deferral / active EE | $6,351 | $5,118+24.1% | $4,709+34.9% | $6,730-5.6% |
| Admin fee / account holder | $2,480 | $7,736-67.9% | $7,244-65.8% | $14,365-82.7% |