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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 | $101,483 | $183,516-44.7% | $155,534-34.8% | $145,884-30.4% |
| Participation rate | 59.1% | 82.7%-23.6pp | 78.2%-19.1pp | 80.3%-21.2pp |
| Annual return | 13.99% | 61.43%-47.4pp | 64.92%-50.9pp | 551.85%-537.9pp |
| Employer contribution / active EE | $1,514 | $5,315-71.5% | $4,675-67.6% | $4,662-67.5% |
| Participant deferral / active EE | $5,797 | $6,467-10.4% | $5,630+3.0% | $6,690-13.3% |
| Admin fee / account holder | $1,851 | $19,293-90.4% | $15,900-88.4% | $13,392-86.2% |