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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 | $89,903 | $65,704+36.8% | $94,229-4.6% | $59,633+50.8% |
| Participation rate | 66.7% | 72.1%-5.5pp | 78.8%-12.1pp | 68.7%-2.0pp |
| Annual return | 0.46% | 5.22%-4.8pp | 10.68%-10.2pp | 2041.45%-2041.0pp |
| Employer contribution / active EE | $2,591 | $2,021+28.2% | $3,587-27.8% | $2,203+17.6% |
| Participant deferral / active EE | $4,178 | $3,143+32.9% | $4,320-3.3% | $3,192+30.9% |
| Admin fee / account holder | $3,825 | $4,265-10.3% | $6,269-39.0% | $4,297-11.0% |