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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 | $26,879 | $98,776-72.8% | $149,745-82.1% | $79,856-66.3% |
| Participation rate | 68.1% | 75.8%-7.7pp | 82.5%-14.4pp | 69.6%-1.6pp |
| Annual return | 21.71% | 27.38%-5.7pp | 276.72%-255.0pp | 31.71%-10.0pp |
| Employer contribution / active EE | $2,908 | $3,217-9.6% | $4,646-37.4% | $2,471+17.7% |
| Participant deferral / active EE | $4,583 | $5,681-19.3% | $6,843-33.0% | $3,741+22.5% |
| Admin fee / account holder | $3,192 | $6,053-47.3% | $9,312-65.7% | $5,306-39.8% |