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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 | $123,084 | $142,426-13.6% | $115,167+6.9% | $152,909-19.5% |
| Participation rate | 66.7% | 82.4%-15.7pp | 75.9%-9.2pp | 82.5%-15.8pp |
| Annual return | 25.93% | 41.48%-15.6pp | 35.60%-9.7pp | 345.46%-319.5pp |
| Employer contribution / active EE | $3,686 | $4,011-8.1% | $3,179+15.9% | $4,764-22.6% |
| Participant deferral / active EE | $8,333 | $5,165+61.4% | $4,169+99.9% | $5,851+42.4% |
| Admin fee / account holder | $1,257 | $8,464-85.1% | $7,089-82.3% | $11,601-89.2% |