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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 | $118,704 | $175,259-32.3% | $149,723-20.7% | $139,487-14.9% |
| Participation rate | 42.9% | 83.4%-40.5pp | 78.8%-35.9pp | 80.3%-37.5pp |
| Annual return | 17.27% | 166.82%-149.6pp | 134.50%-117.2pp | 373.84%-356.6pp |
| Employer contribution / active EE | $7,791 | $5,478+42.2% | $4,821+61.6% | $4,755+63.9% |
| Participant deferral / active EE | $2,929 | $6,522-55.1% | $5,682-48.5% | $6,713-56.4% |
| Admin fee / account holder | $900 | $16,158-94.4% | $13,215-93.2% | $11,407-92.1% |