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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 | $129,476 | $71,891+80.1% | $86,690+49.4% | $68,498+89.0% |
| Participation rate | 63.0% | 72.2%-9.3pp | 76.6%-13.6pp | 67.9%-4.9pp |
| Annual return | -5.69% | 3.53%-9.2pp | 35.93%-41.6pp | -7.84%+2.2pp |
| Employer contribution / active EE | $960 | $2,173-55.8% | $2,837-66.1% | $2,596-63.0% |
| Participant deferral / active EE | $3,779 | $3,7790% | $4,656-18.8% | $4,027-6.2% |
| Admin fee / account holder | $2,443 | $6,112-60.0% | $7,490-67.4% | $5,403-54.8% |