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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 | $86,537 | $105,200-17.7% | $159,474-45.7% | $85,847+0.8% |
| Participation rate | 60.6% | 75.8%-15.2pp | 82.8%-22.2pp | 69.3%-8.7pp |
| Annual return | 15.01% | 45.08%-30.1pp | 263.68%-248.7pp | 318.61%-303.6pp |
| Employer contribution / active EE | $2,149 | $3,319-35.2% | $4,831-55.5% | $2,565-16.2% |
| Participant deferral / active EE | $7,053 | $5,946+18.6% | $7,353-4.1% | $3,952+78.5% |
| Admin fee / account holder | $4,404 | $6,934-36.5% | $10,802-59.2% | $6,261-29.6% |