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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 | $90,620 | $166,089-45.4% | $164,928-45.1% | $145,978-37.9% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.6%-15.0pp | 80.3%-16.7pp |
| Annual return | 15.79% | 100.26%-84.5pp | 70.08%-54.3pp | 550.52%-534.7pp |
| Employer contribution / active EE | $20,057 | $5,276+280.1% | $4,343+361.8% | $4,662+330.2% |
| Participant deferral / active EE | $2,605 | $6,961-62.6% | $6,034-56.8% | $6,690-61.1% |
| Admin fee / account holder | $5,596 | $16,641-66.4% | $12,684-55.9% | $13,400-58.2% |