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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 | $95,372 | $181,062-47.3% | $158,223-39.7% | $155,188-38.5% |
| Participation rate | 41.2% | 82.7%-41.5pp | 79.2%-38.0pp | 80.8%-39.6pp |
| Annual return | 12.71% | 57.39%-44.7pp | 52.09%-39.4pp | 148.84%-136.1pp |
| Employer contribution / active EE | $1,512 | $4,565-66.9% | $4,109-63.2% | $4,248-64.4% |
| Participant deferral / active EE | $3,650 | $6,134-40.5% | $5,467-33.2% | $6,531-44.1% |
| Admin fee / account holder | $6,952 | $18,825-63.1% | $16,047-56.7% | $14,480-52.0% |