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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 | $152,351 | $106,008+43.7% | $92,240+65.2% | $147,586+3.2% |
| Participation rate | 68.8% | 80.4%-11.7pp | 76.5%-7.7pp | 82.8%-14.1pp |
| Annual return | 16.29% | 50.05%-33.8pp | 176.29%-160.0pp | 578.59%-562.3pp |
| Employer contribution / active EE | $2,579 | $4,333-40.5% | $3,680-29.9% | $4,876-47.1% |
| Participant deferral / active EE | $3,651 | $4,478-18.5% | $3,897-6.3% | $5,439-32.9% |
| Admin fee / account holder | $1,351 | $6,333-78.7% | $5,194-74.0% | $10,886-87.6% |