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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 | $72,361 | $174,379-58.5% | $152,093-52.4% | $138,895-47.9% |
| Participation rate | 62.5% | 81.6%-19.1pp | 77.8%-15.3pp | 79.9%-17.4pp |
| Annual return | 20.35% | 74.86%-54.5pp | 66.36%-46.0pp | 145.39%-125.0pp |
| Employer contribution / active EE | $2,068 | $4,652-55.5% | $4,175-50.5% | $4,194-50.7% |
| Participant deferral / active EE | $4,122 | $6,159-33.1% | $5,451-24.4% | $6,396-35.6% |
| Admin fee / account holder | $868 | $16,880-94.9% | $14,497-94.0% | $12,562-93.1% |