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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 | $128,811 | $198,457-35.1% | $170,435-24.4% | $147,586-12.7% |
| Participation rate | 66.7% | 88.0%-21.3pp | 83.6%-16.9pp | 82.8%-16.2pp |
| Annual return | 21.23% | 257.30%-236.1pp | 205.94%-184.7pp | 578.59%-557.4pp |
| Employer contribution / active EE | $3,914 | $6,183-36.7% | $5,432-27.9% | $4,876-19.7% |
| Participant deferral / active EE | $8,146 | $5,629+44.7% | $4,939+64.9% | $5,439+49.8% |
| Admin fee / account holder | $11,699 | $16,852-30.6% | $13,881-15.7% | $10,886+7.5% |