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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 | $74,969 | $209,425-64.2% | $178,499-58.0% | $158,966-52.8% |
| Participation rate | 57.1% | 86.4%-29.2pp | 81.9%-24.8pp | 82.0%-24.8pp |
| Annual return | 25.18% | 188.80%-163.6pp | 151.10%-125.9pp | 302.95%-277.8pp |
| Employer contribution / active EE | $7,214 | $5,707+26.4% | $5,011+44.0% | $4,762+51.5% |
| Participant deferral / active EE | $6,795 | $5,955+14.1% | $5,202+30.6% | $5,983+13.6% |
| Admin fee / account holder | $2,670 | $17,078-84.4% | $13,986-80.9% | $11,250-76.3% |