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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 | $207,960 | $61,125+240.2% | $94,057+121.1% | $87,485+137.7% |
| Participation rate | 16.3% | 64.1%-47.7pp | 73.3%-57.0pp | 68.9%-52.6pp |
| Annual return | 14.72% | 35.20%-20.5pp | 480.62%-465.9pp | 26.06%-11.3pp |
| Employer contribution / active EE | $611 | $2,136-71.4% | $2,933-79.2% | $2,596-76.5% |
| Participant deferral / active EE | $1,858 | $3,260-43.0% | $4,709-60.5% | $4,274-56.5% |
| Admin fee / account holder | $1,672 | $5,629-70.3% | $7,244-76.9% | $7,775-78.5% |