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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 | $158,090 | $34,316+360.7% | $74,723+111.6% | $72,976+116.6% |
| Participation rate | 64.0% | 42.4%+21.6pp | 54.5%+9.5pp | 69.5%-5.5pp |
| Annual return | 25.82% | 26.58%-0.8pp | 753.18%-727.4pp | 81.02%-55.2pp |
| Employer contribution / active EE | $1,374 | $692+98.6% | $1,084+26.7% | $2,440-43.7% |
| Participant deferral / active EE | $3,627 | $1,272+185.2% | $1,962+84.9% | $3,608+0.5% |
| Admin fee / account holder | $50,100 | $2,125+2257.9% | $3,335+1402.4% | $5,124+877.7% |