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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 | $171,018 | $115,780+47.7% | $101,255+68.9% | $158,931+7.6% |
| Participation rate | 64.7% | 79.4%-14.7pp | 75.8%-11.1pp | 82.0%-17.3pp |
| Annual return | 17.45% | 56.14%-38.7pp | 46.48%-29.0pp | 302.86%-285.4pp |
| Employer contribution / active EE | $1,617 | $4,175-61.3% | $3,660-55.8% | $4,761-66.0% |
| Participant deferral / active EE | $4,976 | $4,958+0.4% | $4,370+13.9% | $5,982-16.8% |
| Admin fee / account holder | $4,577 | $7,246-36.8% | $5,946-23.0% | $11,247-59.3% |