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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 | $118,536 | $110,240+7.5% | $96,544+22.8% | $139,487-15.0% |
| Participation rate | 69.2% | 78.1%-8.9pp | 76.0%-6.8pp | 80.3%-11.1pp |
| Annual return | 12.30% | 26.41%-14.1pp | 25.88%-13.6pp | 373.84%-361.5pp |
| Employer contribution / active EE | $0 | $3,622-100.0% | $2,966-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $2,293 | $5,549-58.7% | $4,851-52.7% | $6,713-65.8% |
| Admin fee / account holder | $3,575 | $11,602-69.2% | $8,254-56.7% | $11,407-68.7% |