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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 | $185,780 | $175,231+6.0% | $149,696+24.1% | $139,466+33.2% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 33.13% | 166.77%-133.6pp | 134.46%-101.3pp | 373.66%-340.5pp |
| Employer contribution / active EE | $14,491 | $5,478+164.5% | $4,821+200.6% | $4,754+204.8% |
| Participant deferral / active EE | $7,500 | $6,521+15.0% | $5,682+32.0% | $6,712+11.7% |
| Admin fee / account holder | $3,573 | $16,155-77.9% | $13,212-73.0% | $11,409-68.7% |