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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 | $213,157 | $160,070+33.2% | $147,117+44.9% | $145,897+46.1% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 15.41% | 98.69%-83.3pp | 420.54%-405.1pp | 552.29%-536.9pp |
| Employer contribution / active EE | $4,248 | $5,285-19.6% | $4,932-13.9% | $4,663-8.9% |
| Participant deferral / active EE | $7,657 | $8,419-9.1% | $8,065-5.0% | $6,689+14.5% |
| Admin fee / account holder | $63,422 | $15,035+321.8% | $12,993+388.1% | $13,390+373.6% |