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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 | $40,700 | $54,757-25.7% | $90,300-54.9% | $72,983-44.2% |
| Participation rate | 60.3% | 65.1%-4.9pp | 73.3%-13.0pp | 69.5%-9.2pp |
| Annual return | 28.50% | 30.63%-2.1pp | 78.11%-49.6pp | 81.01%-52.5pp |
| Employer contribution / active EE | $2,352 | $2,092+12.4% | $2,854-17.6% | $2,440-3.6% |
| Participant deferral / active EE | $4,620 | $2,887+60.0% | $3,884+18.9% | $3,608+28.1% |
| Admin fee / account holder | $5,139 | $3,972+29.4% | $5,353-4.0% | $5,124+0.3% |