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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 | $204,477 | $112,121+82.4% | $95,960+113.1% | $158,966+28.6% |
| Participation rate | 63.6% | 79.0%-15.3pp | 77.1%-13.4pp | 82.0%-18.3pp |
| Annual return | 31.70% | 171.16%-139.5pp | 91.63%-59.9pp | 302.95%-271.2pp |
| Employer contribution / active EE | $3,044 | $3,199-4.8% | $2,541+19.8% | $4,762-36.1% |
| Participant deferral / active EE | $7,202 | $4,784+50.5% | $4,167+72.9% | $5,983+20.4% |
| Admin fee / account holder | $671 | $10,135-93.4% | $6,797-90.1% | $11,250-94.0% |