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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 | $102,729 | $115,810-11.3% | $101,271+1.4% | $158,966-35.4% |
| Participation rate | 56.5% | 79.4%-22.8pp | 75.8%-19.3pp | 82.0%-25.4pp |
| Annual return | 16.93% | 56.15%-39.2pp | 46.48%-29.5pp | 302.95%-286.0pp |
| Employer contribution / active EE | $2,369 | $4,175-43.3% | $3,660-35.3% | $4,762-50.3% |
| Participant deferral / active EE | $5,590 | $4,958+12.7% | $4,371+27.9% | $5,983-6.6% |
| Admin fee / account holder | $4,376 | $7,248-39.6% | $5,948-26.4% | $11,250-61.1% |