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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 | $68,288 | $65,364+4.5% | $92,909-26.5% | $72,975-6.4% |
| Participation rate | 67.2% | 68.3%-1.1pp | 76.0%-8.8pp | 69.5%-2.3pp |
| Annual return | 31.10% | 42.11%-11.0pp | 109.44%-78.3pp | 81.01%-49.9pp |
| Employer contribution / active EE | $2,815 | $2,594+8.5% | $3,653-23.0% | $2,440+15.4% |
| Participant deferral / active EE | $5,574 | $3,128+78.2% | $4,238+31.5% | $3,608+54.5% |
| Admin fee / account holder | $2,840 | $4,251-33.2% | $5,795-51.0% | $5,124-44.6% |