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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 | $155,341 | $183,592-15.4% | $155,574-0.1% | $145,877+6.5% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 70.95% | 61.37%+9.6pp | 64.87%+6.1pp | 551.28%-480.3pp |
| Employer contribution / active EE | $1,632 | $5,317-69.3% | $4,676-65.1% | $4,663-65.0% |
| Participant deferral / active EE | $3,212 | $6,466-50.3% | $5,629-42.9% | $6,691-52.0% |
| Admin fee / account holder | $13,105 | $19,316-32.2% | $15,914-17.7% | $13,402-2.2% |