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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 | $128,109 | $115,810+10.6% | $101,271+26.5% | $158,966-19.4% |
| Participation rate | 58.8% | 79.4%-20.5pp | 75.8%-17.0pp | 82.0%-23.1pp |
| Annual return | 20.68% | 56.15%-35.5pp | 46.48%-25.8pp | 302.95%-282.3pp |
| Employer contribution / active EE | $2,091 | $4,175-49.9% | $3,660-42.9% | $4,762-56.1% |
| Participant deferral / active EE | $2,930 | $4,958-40.9% | $4,371-33.0% | $5,983-51.0% |
| Admin fee / account holder | $744 | $7,248-89.7% | $5,948-87.5% | $11,250-93.4% |