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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 | $150,323 | $198,457-24.3% | $170,435-11.8% | $147,586+1.9% |
| Participation rate | 50.0% | 88.0%-38.0pp | 83.6%-33.6pp | 82.8%-32.8pp |
| Annual return | 13.85% | 257.30%-243.5pp | 205.94%-192.1pp | 578.59%-564.7pp |
| Employer contribution / active EE | $1,753 | $6,183-71.7% | $5,432-67.7% | $4,876-64.1% |
| Participant deferral / active EE | $3,828 | $5,629-32.0% | $4,939-22.5% | $5,439-29.6% |
| Admin fee / account holder | $3,295 | $16,852-80.4% | $13,881-76.3% | $10,886-69.7% |