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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 | $91,521 | $91,198+0.4% | $178,503-48.7% | $79,856+14.6% |
| Participation rate | 64.3% | 69.2%-4.9pp | 81.9%-17.6pp | 69.6%-5.4pp |
| Annual return | 23.31% | 24.20%-0.9pp | 151.12%-127.8pp | 31.71%-8.4pp |
| Employer contribution / active EE | $1,583 | $3,257-51.4% | $5,011-68.4% | $2,471-35.9% |
| Participant deferral / active EE | $3,224 | $3,237-0.4% | $5,202-38.0% | $3,741-13.8% |
| Admin fee / account holder | $2,182 | $6,748-67.7% | $13,987-84.4% | $5,306-58.9% |