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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 | $85,940 | $89,259-3.7% | $107,187-19.8% | $82,637+4.0% |
| Participation rate | 60.7% | 67.9%-7.2pp | 75.0%-14.3pp | 68.1%-7.3pp |
| Annual return | 15.70% | 21.02%-5.3pp | 204.55%-188.8pp | 53.51%-37.8pp |
| Employer contribution / active EE | $2,997 | $3,080-2.7% | $3,782-20.8% | $2,552+17.4% |
| Participant deferral / active EE | $5,354 | $4,037+32.6% | $5,096+5.1% | $4,126+29.8% |
| Admin fee / account holder | $6,598 | $7,381-10.6% | $9,162-28.0% | $7,339-10.1% |