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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 | $214,524 | $148,623+44.3% | $135,974+57.8% | $139,466+53.8% |
| Participation rate | 62.5% | 83.9%-21.4pp | 81.9%-19.4pp | 80.3%-17.8pp |
| Annual return | 18.79% | 79.30%-60.5pp | 68.30%-49.5pp | 373.66%-354.9pp |
| Employer contribution / active EE | $3,448 | $5,246-34.3% | $4,859-29.0% | $4,754-27.5% |
| Participant deferral / active EE | $9,542 | $8,103+17.8% | $7,760+23.0% | $6,712+42.2% |
| Admin fee / account holder | $2,212 | $12,406-82.2% | $10,767-79.5% | $11,409-80.6% |