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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 | $82,552 | $211,224-60.9% | $178,505-53.8% | $145,897-43.4% |
| Participation rate | 66.7% | 80.8%-14.2pp | 77.1%-10.5pp | 80.3%-13.6pp |
| Annual return | 16.83% | 30.28%-13.5pp | 27.16%-10.3pp | 552.29%-535.5pp |
| Employer contribution / active EE | $3,364 | $4,577-26.5% | $3,955-15.0% | $4,663-27.9% |
| Participant deferral / active EE | $11,218 | $6,966+61.0% | $6,280+78.6% | $6,689+67.7% |
| Admin fee / account holder | $12,266 | $12,109+1.3% | $10,428+17.6% | $13,390-8.4% |