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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 | $173,258 | $160,028+8.3% | $147,080+17.8% | $145,884+18.8% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 11.18% | 98.60%-87.4pp | 420.17%-409.0pp | 551.85%-540.7pp |
| Employer contribution / active EE | $2,570 | $5,286-51.4% | $4,933-47.9% | $4,662-44.9% |
| Participant deferral / active EE | $7,162 | $8,422-15.0% | $8,066-11.2% | $6,690+7.1% |
| Admin fee / account holder | $11,851 | $15,030-21.2% | $12,989-8.8% | $13,392-11.5% |