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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 | $199,480 | $106,008+88.2% | $92,240+116.3% | $147,586+35.2% |
| Participation rate | 61.9% | 80.4%-18.5pp | 76.5%-14.6pp | 82.8%-20.9pp |
| Annual return | 19.60% | 50.05%-30.5pp | 176.29%-156.7pp | 578.59%-559.0pp |
| Employer contribution / active EE | $3,074 | $4,333-29.1% | $3,680-16.5% | $4,876-37.0% |
| Participant deferral / active EE | $5,712 | $4,478+27.6% | $3,897+46.6% | $5,439+5.0% |
| Admin fee / account holder | $23,704 | $6,333+274.3% | $5,194+356.4% | $10,886+117.8% |