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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 | $110,410+27.5% | $102,437+37.4% | $145,897-3.5% |
| Participation rate | 61.5% | 77.9%-16.4pp | 74.5%-13.0pp | 80.3%-18.8pp |
| Annual return | 12.45% | 24.85%-12.4pp | 24.95%-12.5pp | 552.29%-539.8pp |
| Employer contribution / active EE | $2,808 | $4,217-33.4% | $3,871-27.5% | $4,663-39.8% |
| Participant deferral / active EE | $8,066 | $5,622+43.5% | $5,060+59.4% | $6,689+20.6% |
| Admin fee / account holder | $6,419 | $9,745-34.1% | $8,388-23.5% | $13,390-52.1% |