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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 | $153,866 | $176,077-12.6% | $159,455-3.5% | $167,518-8.1% |
| Participation rate | 65.0% | 84.9%-19.9pp | 82.8%-17.8pp | 82.1%-17.1pp |
| Annual return | 10.77% | 331.83%-321.1pp | 263.63%-252.9pp | 478.71%-467.9pp |
| Employer contribution / active EE | $956 | $5,298-82.0% | $4,830-80.2% | $4,838-80.2% |
| Participant deferral / active EE | $4,939 | $7,751-36.3% | $7,353-32.8% | $6,342-22.1% |
| Admin fee / account holder | $974 | $12,556-92.2% | $10,800-91.0% | $12,312-92.1% |