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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 | $162,863 | $148,623+9.6% | $135,974+19.8% | $139,466+16.8% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 21.16% | 79.30%-58.1pp | 68.30%-47.1pp | 373.66%-352.5pp |
| Employer contribution / active EE | $2,865 | $5,246-45.4% | $4,859-41.0% | $4,754-39.7% |
| Participant deferral / active EE | $8,178 | $8,103+0.9% | $7,760+5.4% | $6,712+21.8% |
| Admin fee / account holder | $1,049 | $12,406-91.5% | $10,767-90.3% | $11,409-90.8% |