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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 | $167,622 | $175,231-4.3% | $149,696+12.0% | $139,466+20.2% |
| Participation rate | 69.2% | 83.4%-14.2pp | 78.8%-9.5pp | 80.3%-11.1pp |
| Annual return | 20.11% | 166.77%-146.7pp | 134.46%-114.3pp | 373.66%-353.6pp |
| Employer contribution / active EE | $2,426 | $5,478-55.7% | $4,821-49.7% | $4,754-49.0% |
| Participant deferral / active EE | $11,687 | $6,521+79.2% | $5,682+105.7% | $6,712+74.1% |
| Admin fee / account holder | $1,678 | $16,155-89.6% | $13,212-87.3% | $11,409-85.3% |