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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 | $228,069 | $165,399+37.9% | $149,745+52.3% | $158,982+43.5% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 17.24% | 348.34%-331.1pp | 276.72%-259.5pp | 302.99%-285.8pp |
| Employer contribution / active EE | $7,575 | $5,105+48.4% | $4,646+63.1% | $4,763+59.0% |
| Participant deferral / active EE | $7,691 | $7,183+7.1% | $6,843+12.4% | $5,983+28.5% |
| Admin fee / account holder | $1,362 | $10,811-87.4% | $9,312-85.4% | $11,252-87.9% |