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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 | $159,034 | $70,121+126.8% | $63,803+149.3% | $138,895+14.5% |
| Participation rate | 50.0% | 77.2%-27.2pp | 72.7%-22.7pp | 79.9%-29.9pp |
| Annual return | 15.36% | 946.48%-931.1pp | 543.72%-528.4pp | 145.39%-130.0pp |
| Employer contribution / active EE | $3,777 | $2,882+31.0% | $2,532+49.1% | $4,194-10.0% |
| Participant deferral / active EE | $7,475 | $4,535+64.8% | $3,843+94.5% | $6,396+16.9% |
| Admin fee / account holder | $1,946 | $6,738-71.1% | $5,196-62.6% | $12,562-84.5% |