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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 | $114,119+34.5% | $107,187+43.2% | $138,895+10.5% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 79.9%-13.3pp |
| Annual return | 15.98% | 273.21%-257.2pp | 204.55%-188.6pp | 145.39%-129.4pp |
| Employer contribution / active EE | $9,785 | $4,059+141.1% | $3,782+158.7% | $4,194+133.3% |
| Participant deferral / active EE | $6,776 | $5,538+22.4% | $5,096+33.0% | $6,396+5.9% |
| Admin fee / account holder | $5,251 | $10,024-47.6% | $9,162-42.7% | $12,562-58.2% |