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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 | $190,640 | $176,077+8.3% | $159,455+19.6% | $167,518+13.8% |
| Participation rate | 55.6% | 84.9%-29.4pp | 82.8%-27.3pp | 82.1%-26.6pp |
| Annual return | 16.58% | 331.83%-315.3pp | 263.63%-247.0pp | 478.71%-462.1pp |
| Employer contribution / active EE | $2,668 | $5,298-49.6% | $4,830-44.8% | $4,838-44.9% |
| Participant deferral / active EE | $5,026 | $7,751-35.2% | $7,353-31.6% | $6,342-20.8% |
| Admin fee / account holder | $9,518 | $12,556-24.2% | $10,800-11.9% | $12,312-22.7% |