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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 | $153,504 | $111,535+37.6% | $105,223+45.9% | $137,256+11.8% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 15.98% | 237.85%-221.9pp | 180.65%-164.7pp | 220.34%-204.4pp |
| Employer contribution / active EE | $9,785 | $3,939+148.4% | $3,689+165.3% | $4,156+135.5% |
| Participant deferral / active EE | $6,776 | $5,500+23.2% | $5,072+33.6% | $6,407+5.8% |
| Admin fee / account holder | $5,251 | $9,721-46.0% | $8,859-40.7% | $12,270-57.2% |