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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 | $95,090 | $101,752-6.5% | $164,928-42.3% | $80,911+17.5% |
| Participation rate | 45.2% | 71.8%-26.7pp | 78.6%-33.5pp | 67.6%-22.5pp |
| Annual return | 11.74% | 16.73%-5.0pp | 70.08%-58.3pp | 35.63%-23.9pp |
| Employer contribution / active EE | $2,120 | $2,953-28.2% | $4,343-51.2% | $2,756-23.1% |
| Participant deferral / active EE | $3,900 | $4,477-12.9% | $6,034-35.4% | $4,297-9.2% |
| Admin fee / account holder | $10,692 | $8,218+30.1% | $12,684-15.7% | $6,935+54.2% |