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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 | $126,694 | $175,257-27.7% | $149,717-15.4% | $139,456-9.2% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 14.25% | 166.70%-152.5pp | 134.41%-120.2pp | 373.45%-359.2pp |
| Employer contribution / active EE | $6,901 | $5,477+26.0% | $4,820+43.2% | $4,753+45.2% |
| Participant deferral / active EE | $8,150 | $6,521+25.0% | $5,682+43.4% | $6,711+21.4% |
| Admin fee / account holder | $4,828 | $16,156-70.1% | $13,213-63.5% | $11,407-57.7% |