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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 | $90,365 | $104,937-13.9% | $84,628+6.8% | $152,897-40.9% |
| Participation rate | 56.3% | 74.8%-18.6pp | 68.2%-12.0pp | 82.5%-26.2pp |
| Annual return | 23.79% | 373.88%-350.1pp | 258.80%-235.0pp | 345.43%-321.6pp |
| Employer contribution / active EE | $2,088 | $3,303-36.8% | $2,653-21.3% | $4,764-56.2% |
| Participant deferral / active EE | $4,961 | $4,690+5.8% | $3,900+27.2% | $5,851-15.2% |
| Admin fee / account holder | $3,331 | $6,243-46.6% | $4,914-32.2% | $11,599-71.3% |