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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 | $72,990 | $209,336-65.1% | $197,124-63.0% | $137,256-46.8% |
| Participation rate | 68.2% | 87.3%-19.1pp | 86.7%-18.5pp | 80.0%-11.8pp |
| Annual return | 17.08% | 48.09%-31.0pp | 44.34%-27.3pp | 220.34%-203.3pp |
| Employer contribution / active EE | $5,781 | $6,591-12.3% | $6,227-7.2% | $4,156+39.1% |
| Participant deferral / active EE | $3,835 | $9,614-60.1% | $9,135-58.0% | $6,407-40.1% |
| Admin fee / account holder | $325 | $17,308-98.1% | $16,298-98.0% | $12,270-97.4% |