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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 | $79,049 | $55,902+41.4% | $76,030+4.0% | $80,959-2.4% |
| Participation rate | 36.0% | 62.1%-26.1pp | 69.1%-33.1pp | 67.7%-31.7pp |
| Annual return | 14.87% | 20.59%-5.7pp | 361.54%-346.7pp | 35.67%-20.8pp |
| Employer contribution / active EE | $873 | $1,867-53.2% | $2,688-67.5% | $2,757-68.3% |
| Participant deferral / active EE | $3,413 | $3,051+11.9% | $4,257-19.8% | $4,300-20.6% |
| Admin fee / account holder | $1,493 | $5,239-71.5% | $6,421-76.7% | $6,925-78.4% |