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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 | $96,731-11.2% | $123,973-30.7% | $86,983-1.2% |
| Participation rate | 60.7% | 70.0%-9.3pp | 76.7%-15.9pp | 69.5%-8.8pp |
| Annual return | 15.70% | 17.33%-1.6pp | 388.13%-372.4pp | 25.83%-10.1pp |
| Employer contribution / active EE | $2,997 | $3,297-9.1% | $4,126-27.4% | $2,584+15.9% |
| Participant deferral / active EE | $5,354 | $4,152+28.9% | $5,247+2.0% | $4,194+27.7% |
| Admin fee / account holder | $6,598 | $8,722-24.4% | $11,799-44.1% | $7,856-16.0% |