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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 | $229,357 | $152,619+50.3% | $125,195+83.2% | $152,909+50.0% |
| Participation rate | 50.0% | 83.3%-33.3pp | 79.8%-29.8pp | 82.5%-32.5pp |
| Annual return | 17.99% | 54.85%-36.9pp | 43.79%-25.8pp | 345.46%-327.5pp |
| Employer contribution / active EE | $1,527 | $4,947-69.1% | $3,866-60.5% | $4,764-67.9% |
| Participant deferral / active EE | $6,244 | $5,869+6.4% | $4,937+26.5% | $5,851+6.7% |
| Admin fee / account holder | $1,912 | $13,437-85.8% | $9,704-80.3% | $11,601-83.5% |