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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 | $95,431 | $156,398-39.0% | $147,318-35.2% | $138,895-31.3% |
| Participation rate | 69.2% | 83.8%-14.5pp | 82.1%-12.8pp | 79.9%-10.7pp |
| Annual return | 17.04% | 78.75%-61.7pp | 70.43%-53.4pp | 145.39%-128.4pp |
| Employer contribution / active EE | $2,837 | $4,853-41.5% | $4,593-38.2% | $4,194-32.4% |
| Participant deferral / active EE | $6,503 | $8,237-21.1% | $7,906-17.7% | $6,396+1.7% |
| Admin fee / account holder | $1,340 | $14,976-91.1% | $13,708-90.2% | $12,562-89.3% |