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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 | $145,229 | $183,516-20.9% | $155,534-6.6% | $145,884-0.4% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 14.88% | 61.43%-46.5pp | 64.92%-50.0pp | 551.85%-537.0pp |
| Employer contribution / active EE | $2,793 | $5,315-47.4% | $4,675-40.2% | $4,662-40.1% |
| Participant deferral / active EE | $6,607 | $6,467+2.2% | $5,630+17.3% | $6,690-1.2% |
| Admin fee / account holder | $3,445 | $19,293-82.1% | $15,900-78.3% | $13,392-74.3% |