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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 | $153,692 | $106,267+44.6% | $96,520+59.2% | $139,456+10.2% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 20.28% | 38.45%-18.2pp | 35.72%-15.4pp | 373.45%-353.2pp |
| Employer contribution / active EE | $0 | $4,105-100.0% | $3,739-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $7,827 | $5,454+43.5% | $4,879+60.4% | $6,711+16.6% |
| Admin fee / account holder | $508 | $7,882-93.6% | $6,733-92.5% | $11,407-95.5% |