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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 | $90,091 | $172,111-47.7% | $150,298-40.1% | $137,256-34.4% |
| Participation rate | 60.0% | 81.7%-21.7pp | 77.8%-17.8pp | 80.0%-20.0pp |
| Annual return | 14.27% | 69.37%-55.1pp | 62.79%-48.5pp | 220.34%-206.1pp |
| Employer contribution / active EE | $2,703 | $4,636-41.7% | $4,154-34.9% | $4,156-35.0% |
| Participant deferral / active EE | $6,070 | $6,166-1.6% | $5,453+11.3% | $6,407-5.3% |
| Admin fee / account holder | $10,238 | $16,471-37.8% | $14,116-27.5% | $12,270-16.6% |