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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 | $233,623 | $157,276+48.5% | $141,177+65.5% | $152,885+52.8% |
| Participation rate | 57.1% | 84.8%-27.7pp | 82.5%-25.3pp | 82.5%-25.3pp |
| Annual return | 44.43% | 64.33%-19.9pp | 71.40%-27.0pp | 345.39%-301.0pp |
| Employer contribution / active EE | $3,020 | $5,262-42.6% | $4,736-36.2% | $4,763-36.6% |
| Participant deferral / active EE | $10,266 | $7,110+44.4% | $6,710+53.0% | $5,851+75.5% |
| Admin fee / account holder | $1,675 | $12,123-86.2% | $10,263-83.7% | $11,598-85.6% |