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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 | $184,127 | $105,210+75.0% | $159,487+15.4% | $85,851+114.5% |
| Participation rate | 55.0% | 75.8%-20.8pp | 82.8%-27.8pp | 69.3%-14.3pp |
| Annual return | 17.99% | 45.08%-27.1pp | 263.71%-245.7pp | 318.63%-300.6pp |
| Employer contribution / active EE | $1,513 | $3,319-54.4% | $4,831-68.7% | $2,565-41.0% |
| Participant deferral / active EE | $2,567 | $5,946-56.8% | $7,354-65.1% | $3,952-35.1% |
| Admin fee / account holder | $3,952 | $6,934-43.0% | $10,804-63.4% | $6,261-36.9% |