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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 | $91,639 | $49,976+83.4% | $66,674+37.4% | $82,637+10.9% |
| Participation rate | 62.8% | 63.1%-0.3pp | 73.7%-10.9pp | 68.1%-5.3pp |
| Annual return | 16.95% | 39.09%-22.1pp | 321.24%-304.3pp | 53.51%-36.6pp |
| Employer contribution / active EE | $2,631 | $1,988+32.3% | $2,620+0.4% | $2,552+3.1% |
| Participant deferral / active EE | $6,269 | $2,847+120.2% | $4,084+53.5% | $4,126+51.9% |
| Admin fee / account holder | $1,393 | $4,594-69.7% | $5,098-72.7% | $7,339-81.0% |