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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 | $87,406 | $96,508-9.4% | $75,901+15.2% | $152,897-42.8% |
| Participation rate | 66.7% | 76.2%-9.5pp | 69.3%-2.6pp | 82.5%-15.8pp |
| Annual return | 22.67% | 33.99%-11.3pp | 30.76%-8.1pp | 345.43%-322.8pp |
| Employer contribution / active EE | $0 | $3,310-100.0% | $2,501-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,674 | $4,554+2.7% | $3,603+29.7% | $5,851-20.1% |
| Admin fee / account holder | $303 | $8,081-96.3% | $5,420-94.4% | $11,599-97.4% |