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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 | $116,520 | $112,121+3.9% | $95,960+21.4% | $158,966-26.7% |
| Participation rate | 56.3% | 79.0%-22.7pp | 77.1%-20.8pp | 82.0%-25.7pp |
| Annual return | 26.40% | 171.16%-144.8pp | 91.63%-65.2pp | 302.95%-276.5pp |
| Employer contribution / active EE | $0 | $3,199-100.0% | $2,541-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $1,689 | $4,784-64.7% | $4,167-59.5% | $5,983-71.8% |
| Admin fee / account holder | $549 | $10,135-94.6% | $6,797-91.9% | $11,250-95.1% |