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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 | $241,346 | $183,627+31.4% | $155,602+55.1% | $145,978+65.3% |
| Participation rate | 60.9% | 82.7%-21.8pp | 78.2%-17.3pp | 80.3%-19.4pp |
| Annual return | 15.29% | 61.32%-46.0pp | 64.81%-49.5pp | 550.52%-535.2pp |
| Employer contribution / active EE | $2,360 | $5,316-55.6% | $4,675-49.5% | $4,662-49.4% |
| Participant deferral / active EE | $6,625 | $6,466+2.5% | $5,629+17.7% | $6,690-1.0% |
| Admin fee / account holder | $12,358 | $19,327-36.1% | $15,923-22.4% | $13,400-7.8% |