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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 | $225,724 | $183,592+22.9% | $155,574+45.1% | $145,877+54.7% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 14.51% | 61.37%-46.9pp | 64.87%-50.4pp | 551.28%-536.8pp |
| Employer contribution / active EE | $1,986 | $5,317-62.6% | $4,676-57.5% | $4,663-57.4% |
| Participant deferral / active EE | $6,944 | $6,466+7.4% | $5,629+23.4% | $6,691+3.8% |
| Admin fee / account holder | $14,095 | $19,316-27.0% | $15,914-11.4% | $13,402+5.2% |