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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 | $190,864 | $118,869+60.6% | $96,575+97.6% | $167,518+13.9% |
| Participation rate | 61.5% | 75.5%-13.9pp | 69.8%-8.3pp | 82.1%-20.6pp |
| Annual return | 12.02% | 50.49%-38.5pp | 37.79%-25.8pp | 478.71%-466.7pp |
| Employer contribution / active EE | $1,157 | $3,120-62.9% | $2,357-50.9% | $4,838-76.1% |
| Participant deferral / active EE | $4,277 | $4,616-7.3% | $3,849+11.1% | $6,342-32.6% |
| Admin fee / account holder | $2,964 | $8,067-63.3% | $6,182-52.1% | $12,312-75.9% |