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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 | $243,279 | $108,911+123.4% | $100,392+142.3% | $145,884+66.8% |
| Participation rate | 50.0% | 83.0%-33.0pp | 81.5%-31.5pp | 80.3%-30.3pp |
| Annual return | 19.93% | 58.23%-38.3pp | 49.45%-29.5pp | 551.85%-531.9pp |
| Employer contribution / active EE | $1,885 | $4,420-57.3% | $3,941-52.2% | $4,662-59.6% |
| Participant deferral / active EE | $10,367 | $8,459+22.6% | $8,090+28.1% | $6,690+55.0% |
| Admin fee / account holder | $9,705 | $9,698+0.1% | $7,904+22.8% | $13,392-27.5% |