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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 | $128,495 | $129,737-1.0% | $119,126+7.9% | $154,746-17.0% |
| Participation rate | 31.6% | 78.9%-47.3pp | 75.8%-44.2pp | 80.7%-49.1pp |
| Annual return | 15.90% | 379.08%-363.2pp | 282.11%-266.2pp | 172.34%-156.4pp |
| Employer contribution / active EE | $1,436 | $4,375-67.2% | $4,034-64.4% | $4,379-67.2% |
| Participant deferral / active EE | $3,460 | $5,842-40.8% | $5,318-34.9% | $6,730-48.6% |
| Admin fee / account holder | $4,623 | $11,961-61.3% | $10,693-56.8% | $14,365-67.8% |