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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 | $139,873 | $107,368+30.3% | $92,915+50.5% | $152,909-8.5% |
| Participation rate | 61.5% | 79.8%-18.3pp | 76.0%-14.5pp | 82.5%-20.9pp |
| Annual return | 23.79% | 145.64%-121.8pp | 109.45%-85.7pp | 345.46%-321.7pp |
| Employer contribution / active EE | $955 | $4,222-77.4% | $3,653-73.9% | $4,764-80.0% |
| Participant deferral / active EE | $4,739 | $4,848-2.2% | $4,238+11.8% | $5,851-19.0% |
| Admin fee / account holder | $1,552 | $7,082-78.1% | $5,796-73.2% | $11,601-86.6% |