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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 | $167,010 | $160,070+4.3% | $147,117+13.5% | $145,897+14.5% |
| Participation rate | 35.3% | 84.0%-48.7pp | 82.2%-46.9pp | 80.3%-45.0pp |
| Annual return | 10.99% | 98.69%-87.7pp | 420.54%-409.5pp | 552.29%-541.3pp |
| Employer contribution / active EE | $1,573 | $5,285-70.2% | $4,932-68.1% | $4,663-66.3% |
| Participant deferral / active EE | $5,186 | $8,419-38.4% | $8,065-35.7% | $6,689-22.5% |
| Admin fee / account holder | $432 | $15,035-97.1% | $12,993-96.7% | $13,390-96.8% |