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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 | $59,055 | $58,234+1.4% | $81,783-27.8% | $80,874-27.0% |
| Participation rate | 56.9% | 63.4%-6.5pp | 72.4%-15.4pp | 67.6%-10.7pp |
| Annual return | 11.32% | 41.70%-30.4pp | 775.05%-763.7pp | 35.62%-24.3pp |
| Employer contribution / active EE | $1,198 | $2,341-48.8% | $2,913-58.9% | $2,756-56.5% |
| Participant deferral / active EE | $1,922 | $3,283-41.5% | $4,320-55.5% | $4,297-55.3% |
| Admin fee / account holder | $1,076 | $4,982-78.4% | $7,380-85.4% | $6,935-84.5% |