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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 | $134,325 | $148,582-9.6% | $135,942-1.2% | $139,456-3.7% |
| Participation rate | 61.5% | 83.9%-22.3pp | 81.9%-20.4pp | 80.3%-18.8pp |
| Annual return | 19.29% | 79.26%-60.0pp | 68.28%-49.0pp | 373.45%-354.2pp |
| Employer contribution / active EE | $2,119 | $5,245-59.6% | $4,858-56.4% | $4,753-55.4% |
| Participant deferral / active EE | $6,845 | $8,101-15.5% | $7,759-11.8% | $6,711+2.0% |
| Admin fee / account holder | $1,396 | $12,402-88.7% | $10,764-87.0% | $11,407-87.8% |