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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 | $218,148 | $183,592+18.8% | $155,574+40.2% | $145,877+49.5% |
| Participation rate | 12.5% | 82.7%-70.2pp | 78.2%-65.7pp | 80.3%-67.8pp |
| Annual return | 12.21% | 61.37%-49.2pp | 64.87%-52.7pp | 551.28%-539.1pp |
| Employer contribution / active EE | $1,725 | $5,317-67.6% | $4,676-63.1% | $4,663-63.0% |
| Participant deferral / active EE | $4,125 | $6,466-36.2% | $5,629-26.7% | $6,691-38.3% |
| Admin fee / account holder | $858 | $19,316-95.6% | $15,914-94.6% | $13,402-93.6% |