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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 | $92,179 | $110,212-16.4% | $96,534-4.5% | $139,466-33.9% |
| Participation rate | 42.1% | 78.1%-36.0pp | 76.0%-33.9pp | 80.3%-38.2pp |
| Annual return | 17.65% | 26.42%-8.8pp | 25.88%-8.2pp | 373.66%-356.0pp |
| Employer contribution / active EE | $1,925 | $3,620-46.8% | $2,965-35.1% | $4,754-59.5% |
| Participant deferral / active EE | $5,207 | $5,547-6.1% | $4,851+7.3% | $6,712-22.4% |
| Admin fee / account holder | $4,136 | $11,599-64.3% | $8,253-49.9% | $11,409-63.7% |