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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 | $92,240 | $198,457-53.5% | $170,435-45.9% | $147,586-37.5% |
| Participation rate | 45.5% | 88.0%-42.5pp | 83.6%-38.1pp | 82.8%-37.4pp |
| Annual return | 18.39% | 257.30%-238.9pp | 205.94%-187.6pp | 578.59%-560.2pp |
| Employer contribution / active EE | $3,285 | $6,183-46.9% | $5,432-39.5% | $4,876-32.6% |
| Participant deferral / active EE | $4,579 | $5,629-18.7% | $4,939-7.3% | $5,439-15.8% |
| Admin fee / account holder | $5,358 | $16,852-68.2% | $13,881-61.4% | $10,886-50.8% |