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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 | $206,780 | $110,551+87.0% | $80,741+156.1% | $167,518+23.4% |
| Participation rate | 33.3% | 64.0%-30.6pp | 54.2%-20.8pp | 82.1%-48.8pp |
| Annual return | 7.24% | 120.57%-113.3pp | 87.30%-80.1pp | 478.71%-471.5pp |
| Employer contribution / active EE | $2,027 | $1,543+31.4% | $1,160+74.7% | $4,838-58.1% |
| Participant deferral / active EE | $7,867 | $2,870+174.1% | $2,145+266.7% | $6,342+24.0% |
| Admin fee / account holder | $2,202 | $4,547-51.6% | $3,380-34.9% | $12,312-82.1% |