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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 | $121,230 | $105,284+15.1% | $150,734-19.6% | $94,015+28.9% |
| Participation rate | 61.5% | 71.7%-10.2pp | 78.4%-16.9pp | 70.8%-9.3pp |
| Annual return | 19.55% | 15.67%+3.9pp | 600.81%-581.3pp | 17.84%+1.7pp |
| Employer contribution / active EE | $2,006 | $3,599-44.2% | $4,918-59.2% | $2,790-28.1% |
| Participant deferral / active EE | $4,222 | $4,274-1.2% | $5,610-24.7% | $4,249-0.6% |
| Admin fee / account holder | $896 | $9,839-90.9% | $14,905-94.0% | $8,951-90.0% |