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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 | $103,965 | $112,729-7.8% | $98,716+5.3% | $137,256-24.3% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 20.28% | 38.48%-18.2pp | 31.81%-11.5pp | 220.34%-200.1pp |
| Employer contribution / active EE | $2,662 | $2,725-2.3% | $2,279+16.8% | $4,156-35.9% |
| Participant deferral / active EE | $4,803 | $4,640+3.5% | $4,048+18.7% | $6,407-25.0% |
| Admin fee / account holder | $38,589 | $10,129+281.0% | $8,703+343.4% | $12,270+214.5% |