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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 | $110,764 | $115,796-4.3% | $101,264+9.4% | $158,950-30.3% |
| Participation rate | 54.5% | 79.4%-24.8pp | 75.8%-21.3pp | 82.0%-27.4pp |
| Annual return | 14.80% | 56.15%-41.4pp | 46.48%-31.7pp | 302.91%-288.1pp |
| Employer contribution / active EE | $2,029 | $4,175-51.4% | $3,660-44.6% | $4,762-57.4% |
| Participant deferral / active EE | $5,642 | $4,958+13.8% | $4,370+29.1% | $5,983-5.7% |
| Admin fee / account holder | $5,370 | $7,247-25.9% | $5,947-9.7% | $11,248-52.3% |