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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 | $85,871 | $51,638+66.3% | $129,406-33.6% | $80,959+6.1% |
| Participation rate | 65.6% | 56.9%+8.7pp | 69.6%-4.0pp | 67.7%-2.0pp |
| Annual return | 14.44% | 20.78%-6.3pp | 9468.18%-9453.7pp | 35.67%-21.2pp |
| Employer contribution / active EE | $0 | $1,584-100.0% | $4,155-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,243 | $2,670-16.0% | $4,167-46.2% | $4,300-47.8% |
| Admin fee / account holder | $9,958 | $4,313+130.9% | $7,689+29.5% | $6,925+43.8% |