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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 | $197,552 | $183,627+7.6% | $155,602+27.0% | $145,978+35.3% |
| Participation rate | 52.9% | 82.7%-29.7pp | 78.2%-25.3pp | 80.3%-27.4pp |
| Annual return | 13.69% | 61.32%-47.6pp | 64.81%-51.1pp | 550.52%-536.8pp |
| Employer contribution / active EE | $4,607 | $5,316-13.3% | $4,675-1.5% | $4,662-1.2% |
| Participant deferral / active EE | $3,716 | $6,466-42.5% | $5,629-34.0% | $6,690-44.4% |
| Admin fee / account holder | $1,384 | $19,327-92.8% | $15,923-91.3% | $13,400-89.7% |