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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 | $66,093 | $63,354+4.3% | $94,105-29.8% | $82,637-20.0% |
| Participation rate | 68.0% | 63.8%+4.2pp | 71.9%-3.9pp | 68.1%-0.1pp |
| Annual return | 15.52% | 34.36%-18.8pp | 204.55%-189.0pp | 53.51%-38.0pp |
| Employer contribution / active EE | $988 | $1,760-43.9% | $2,504-60.6% | $2,552-61.3% |
| Participant deferral / active EE | $1,310 | $2,873-54.4% | $3,881-66.3% | $4,126-68.3% |
| Admin fee / account holder | $756 | $5,073-85.1% | $6,199-87.8% | $7,339-89.7% |