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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 | $84,877 | $148,629-42.9% | $135,982-37.6% | $139,487-39.2% |
| Participation rate | 58.3% | 83.9%-25.5pp | 81.9%-23.6pp | 80.3%-22.0pp |
| Annual return | 22.20% | 79.33%-57.1pp | 68.32%-46.1pp | 373.84%-351.6pp |
| Employer contribution / active EE | $2,809 | $5,247-46.5% | $4,859-42.2% | $4,755-40.9% |
| Participant deferral / active EE | $5,136 | $8,102-36.6% | $7,760-33.8% | $6,713-23.5% |
| Admin fee / account holder | $869 | $12,406-93.0% | $10,767-91.9% | $11,407-92.4% |