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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 | $124,743 | $209,405-40.4% | $178,486-30.1% | $158,931-21.5% |
| Participation rate | 61.5% | 86.4%-24.8pp | 81.9%-20.4pp | 82.0%-20.4pp |
| Annual return | 9.35% | 188.77%-179.4pp | 151.08%-141.7pp | 302.86%-293.5pp |
| Employer contribution / active EE | $4,789 | $5,707-16.1% | $5,011-4.4% | $4,761+0.6% |
| Participant deferral / active EE | $5,017 | $5,954-15.7% | $5,202-3.6% | $5,982-16.1% |
| Admin fee / account holder | $1,367 | $17,076-92.0% | $13,985-90.2% | $11,247-87.8% |