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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 | $111,814+29.3% | $93,654+54.4% | $145,959-0.9% |
| Participation rate | 60.9% | 74.2%-13.3pp | 68.7%-7.9pp | 80.3%-19.4pp |
| Annual return | 11.07% | 203.30%-192.2pp | 133.34%-122.3pp | 561.95%-550.9pp |
| Employer contribution / active EE | $3,208 | $3,092+3.8% | $2,421+32.5% | $4,661-31.2% |
| Participant deferral / active EE | $4,183 | $4,914-14.9% | $4,413-5.2% | $6,689-37.5% |
| Admin fee / account holder | $7,132 | $10,246-30.4% | $8,282-13.9% | $13,398-46.8% |