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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 | $189,518 | $96,691+96.0% | $86,656+118.7% | $139,487+35.9% |
| Participation rate | 62.5% | 74.4%-11.9pp | 71.7%-9.2pp | 80.3%-17.8pp |
| Annual return | 14.70% | 106.87%-92.2pp | 593.09%-578.4pp | 373.84%-359.1pp |
| Employer contribution / active EE | $2,847 | $3,267-12.9% | $3,025-5.9% | $4,755-40.1% |
| Participant deferral / active EE | $7,871 | $4,838+62.7% | $4,439+77.3% | $6,713+17.3% |
| Admin fee / account holder | $21,298 | $6,414+232.0% | $5,619+279.1% | $11,407+86.7% |