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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 | $80,630 | $124,314-35.1% | $109,163-26.1% | $167,518-51.9% |
| Participation rate | 69.2% | 79.4%-10.2pp | 75.9%-6.6pp | 82.1%-12.9pp |
| Annual return | 14.34% | 26.04%-11.7pp | 25.75%-11.4pp | 478.71%-464.4pp |
| Employer contribution / active EE | $1,319 | $4,209-68.7% | $3,723-64.6% | $4,838-72.7% |
| Participant deferral / active EE | $2,501 | $5,256-52.4% | $4,654-46.3% | $6,342-60.6% |
| Admin fee / account holder | $390 | $7,973-95.1% | $6,754-94.2% | $12,312-96.8% |