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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 | $94,891 | $90,509+4.8% | $78,693+20.6% | $273,968-65.4% |
| Participation rate | 61.1% | 76.5%-15.4pp | 73.6%-12.5pp | 83.0%-21.9pp |
| Annual return | 6.78% | 75.61%-68.8pp | 62.18%-55.4pp | 41.45%-34.7pp |
| Employer contribution / active EE | $831 | $3,175-73.8% | $2,850-70.8% | $4,869-82.9% |
| Participant deferral / active EE | $1,286 | $3,901-67.0% | $3,517-63.4% | $5,287-75.7% |
| Admin fee / account holder | $510 | $5,264-90.3% | $4,511-88.7% | $10,132-95.0% |