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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 | $138,099 | $165,361-16.5% | $149,715-7.8% | $158,950-13.1% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 17.14% | 348.24%-331.1pp | 276.66%-259.5pp | 302.91%-285.8pp |
| Employer contribution / active EE | $3,297 | $5,103-35.4% | $4,645-29.0% | $4,762-30.8% |
| Participant deferral / active EE | $6,836 | $7,182-4.8% | $6,842-0.1% | $5,983+14.3% |
| Admin fee / account holder | $567 | $10,808-94.8% | $9,310-93.9% | $11,248-95.0% |