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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 | $200,899 | $135,645+48.1% | $110,243+82.2% | $135,380+48.4% |
| Participation rate | 60.0% | 83.5%-23.5pp | 79.8%-19.8pp | 82.6%-22.6pp |
| Annual return | -4.63% | 513.24%-517.9pp | 314.76%-319.4pp | 519.81%-524.4pp |
| Employer contribution / active EE | $5,809 | $4,907+18.4% | $3,827+51.8% | $4,779+21.6% |
| Participant deferral / active EE | $5,411 | $5,507-1.7% | $4,672+15.8% | $5,609-3.5% |
| Admin fee / account holder | $8,241 | $11,458-28.1% | $8,548-3.6% | $10,828-23.9% |