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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 | $101,268 | $109,372-7.4% | $89,414+13.3% | $158,966-36.3% |
| Participation rate | 60.9% | 74.3%-13.4pp | 68.0%-7.1pp | 82.0%-21.1pp |
| Annual return | 14.94% | 345.55%-330.6pp | 245.50%-230.6pp | 302.95%-288.0pp |
| Employer contribution / active EE | $2,336 | $3,171-26.3% | $2,586-9.7% | $4,762-51.0% |
| Participant deferral / active EE | $4,242 | $4,598-7.7% | $3,890+9.1% | $5,983-29.1% |
| Admin fee / account holder | $2,187 | $6,156-64.5% | $4,883-55.2% | $11,250-80.6% |