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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 | $140,789 | $111,814+25.9% | $103,374+36.2% | $145,959-3.5% |
| Participation rate | 61.5% | 77.9%-16.4pp | 74.5%-13.0pp | 80.3%-18.7pp |
| Annual return | 12.45% | 24.77%-12.3pp | 24.89%-12.4pp | 561.95%-549.5pp |
| Employer contribution / active EE | $2,808 | $4,214-33.4% | $3,869-27.4% | $4,661-39.8% |
| Participant deferral / active EE | $8,066 | $5,618+43.6% | $5,058+59.5% | $6,689+20.6% |
| Admin fee / account holder | $6,419 | $9,754-34.2% | $8,394-23.5% | $13,398-52.1% |