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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 | $120,366 | $165,939-27.5% | $122,354-1.6% | $147,585-18.4% |
| Participation rate | 66.7% | 79.6%-12.9pp | 71.6%-5.0pp | 82.8%-16.2pp |
| Annual return | 20.01% | 34.56%-14.5pp | 30.28%-10.3pp | 578.58%-558.6pp |
| Employer contribution / active EE | $0 | $5,754-100.0% | $4,051-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $789 | $4,005-80.3% | $3,287-76.0% | $5,439-85.5% |
| Admin fee / account holder | $1,341 | $7,425-81.9% | $5,479-75.5% | $10,886-87.7% |