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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 | $248,699 | $175,231+41.9% | $149,696+66.1% | $139,466+78.3% |
| Participation rate | 63.2% | 83.4%-20.2pp | 78.8%-15.6pp | 80.3%-17.2pp |
| Annual return | 13.29% | 166.77%-153.5pp | 134.46%-121.2pp | 373.66%-360.4pp |
| Employer contribution / active EE | $2,982 | $5,478-45.6% | $4,821-38.1% | $4,754-37.3% |
| Participant deferral / active EE | $6,778 | $6,521+3.9% | $5,682+19.3% | $6,712+1.0% |
| Admin fee / account holder | $3,483 | $16,155-78.4% | $13,212-73.6% | $11,409-69.5% |