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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 | $130,666 | $105,210+24.2% | $159,487-18.1% | $85,851+52.2% |
| Participation rate | 61.5% | 75.8%-14.2pp | 82.8%-21.3pp | 69.3%-7.8pp |
| Annual return | 24.14% | 45.08%-20.9pp | 263.71%-239.6pp | 318.63%-294.5pp |
| Employer contribution / active EE | $3,377 | $3,319+1.8% | $4,831-30.1% | $2,565+31.6% |
| Participant deferral / active EE | $7,532 | $5,946+26.7% | $7,354+2.4% | $3,952+90.6% |
| Admin fee / account holder | $3,033 | $6,934-56.3% | $10,804-71.9% | $6,261-51.6% |