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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 | $81,850 | $108,882-24.8% | $96,754-15.4% | $154,746-47.1% |
| Participation rate | 55.0% | 75.1%-20.1pp | 70.3%-15.3pp | 80.7%-25.7pp |
| Annual return | 12.45% | 98.39%-85.9pp | 82.04%-69.6pp | 172.34%-159.9pp |
| Employer contribution / active EE | $1,529 | $3,018-49.3% | $2,679-42.9% | $4,379-65.1% |
| Participant deferral / active EE | $4,670 | $5,323-12.3% | $4,758-1.9% | $6,730-30.6% |
| Admin fee / account holder | $2,593 | $10,200-74.6% | $8,905-70.9% | $14,365-82.0% |