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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 | $91,425 | $67,823+34.8% | $52,425+74.4% | $137,256-33.4% |
| Participation rate | 57.1% | 63.9%-6.8pp | 55.6%+1.5pp | 80.0%-22.8pp |
| Annual return | 12.64% | 219.11%-206.5pp | 302.12%-289.5pp | 220.34%-207.7pp |
| Employer contribution / active EE | $1,613 | $1,163+38.7% | $914+76.5% | $4,156-61.2% |
| Participant deferral / active EE | $8,118 | $2,288+254.8% | $1,790+353.4% | $6,407+26.7% |
| Admin fee / account holder | $1,868 | $2,844-34.3% | $2,495-25.1% | $12,270-84.8% |