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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 | $84,655 | $78,428+7.9% | $95,960-11.8% | $79,852+6.0% |
| Participation rate | 54.2% | 73.5%-19.3pp | 77.1%-22.9pp | 69.6%-15.5pp |
| Annual return | 16.51% | 19.37%-2.9pp | 91.63%-75.1pp | 31.72%-15.2pp |
| Employer contribution / active EE | $1,434 | $1,945-26.3% | $2,541-43.6% | $2,471-42.0% |
| Participant deferral / active EE | $3,884 | $3,440+12.9% | $4,167-6.8% | $3,740+3.8% |
| Admin fee / account holder | $2,790 | $5,622-50.4% | $6,797-59.0% | $5,306-47.4% |