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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 | $160,707 | $129,737+23.9% | $119,126+34.9% | $154,746+3.9% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 14.42% | 379.08%-364.7pp | 282.11%-267.7pp | 172.34%-157.9pp |
| Employer contribution / active EE | $1,177 | $4,375-73.1% | $4,034-70.8% | $4,379-73.1% |
| Participant deferral / active EE | $3,569 | $5,842-38.9% | $5,318-32.9% | $6,730-47.0% |
| Admin fee / account holder | $5,594 | $11,961-53.2% | $10,693-47.7% | $14,365-61.1% |