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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 | $200,685 | $183,539+9.3% | $155,556+29.0% | $145,897+37.6% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 9.59% | 61.31%-51.7pp | 64.84%-55.2pp | 552.29%-542.7pp |
| Employer contribution / active EE | $1,288 | $5,315-75.8% | $4,675-72.4% | $4,663-72.4% |
| Participant deferral / active EE | $4,314 | $6,467-33.3% | $5,631-23.4% | $6,689-35.5% |
| Admin fee / account holder | $1,212 | $19,275-93.7% | $15,885-92.4% | $13,390-91.0% |