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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 | $88,679 | $71,230+24.5% | $93,727-5.4% | $80,959+9.5% |
| Participation rate | 59.2% | 60.4%-1.2pp | 68.7%-9.5pp | 67.7%-8.5pp |
| Annual return | 10.23% | 11.26%-1.0pp | 133.83%-123.6pp | 35.67%-25.4pp |
| Employer contribution / active EE | $1,646 | $1,565+5.2% | $2,421-32.0% | $2,757-40.3% |
| Participant deferral / active EE | $2,600 | $4,037-35.6% | $4,417-41.1% | $4,300-39.5% |
| Admin fee / account holder | $18,060 | $6,961+159.4% | $8,292+117.8% | $6,925+160.8% |