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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 | $144,614 | $111,785+29.4% | $93,669+54.4% | $145,877-0.9% |
| Participation rate | 60.9% | 74.2%-13.4pp | 68.7%-7.9pp | 80.3%-19.4pp |
| Annual return | 11.07% | 203.79%-192.7pp | 133.59%-122.5pp | 551.28%-540.2pp |
| Employer contribution / active EE | $3,208 | $3,096+3.6% | $2,424+32.4% | $4,663-31.2% |
| Participant deferral / active EE | $4,183 | $4,919-15.0% | $4,416-5.3% | $6,691-37.5% |
| Admin fee / account holder | $7,132 | $10,256-30.5% | $8,291-14.0% | $13,402-46.8% |