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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 | $87,950 | $63,354+38.8% | $94,105-6.5% | $82,637+6.4% |
| Participation rate | 44.4% | 63.8%-19.4pp | 71.9%-27.5pp | 68.1%-23.6pp |
| Annual return | 18.28% | 34.36%-16.1pp | 204.55%-186.3pp | 53.51%-35.2pp |
| Employer contribution / active EE | $1,453 | $1,760-17.4% | $2,504-42.0% | $2,552-43.1% |
| Participant deferral / active EE | $2,893 | $2,873+0.7% | $3,881-25.5% | $4,126-29.9% |
| Admin fee / account holder | $3,148 | $5,073-37.9% | $6,199-49.2% | $7,339-57.1% |