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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 | $173,447 | $160,070+8.4% | $147,117+17.9% | $145,897+18.9% |
| Participation rate | 55.6% | 84.0%-28.5pp | 82.2%-26.6pp | 80.3%-24.8pp |
| Annual return | 14.20% | 98.69%-84.5pp | 420.54%-406.3pp | 552.29%-538.1pp |
| Employer contribution / active EE | $8,027 | $5,285+51.9% | $4,932+62.7% | $4,663+72.1% |
| Participant deferral / active EE | $4,736 | $8,419-43.8% | $8,065-41.3% | $6,689-29.2% |
| Admin fee / account holder | $1,739 | $15,035-88.4% | $12,993-86.6% | $13,390-87.0% |