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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 | $122,969 | $159,978-23.1% | $147,041-16.4% | $145,978-15.8% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 15.00% | 98.36%-83.4pp | 419.21%-404.2pp | 550.52%-535.5pp |
| Employer contribution / active EE | $1,906 | $5,288-64.0% | $4,935-61.4% | $4,662-59.1% |
| Participant deferral / active EE | $11,886 | $8,429+41.0% | $8,071+47.3% | $6,690+77.7% |
| Admin fee / account holder | $18,369 | $15,053+22.0% | $13,006+41.2% | $13,400+37.1% |