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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 | $183,914 | $176,105+4.4% | $159,474+15.3% | $167,536+9.8% |
| Participation rate | 52.9% | 85.0%-32.0pp | 82.8%-29.9pp | 82.1%-29.2pp |
| Annual return | 17.53% | 331.91%-314.4pp | 263.68%-246.1pp | 478.82%-461.3pp |
| Employer contribution / active EE | $955 | $5,299-82.0% | $4,831-80.2% | $4,839-80.3% |
| Participant deferral / active EE | $6,349 | $7,751-18.1% | $7,353-13.7% | $6,342+0.1% |
| Admin fee / account holder | $2,243 | $12,559-82.1% | $10,802-79.2% | $12,315-81.8% |