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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 | $43,139 | $162,812-73.5% | $133,971-67.8% | $158,966-72.9% |
| Participation rate | 60.0% | 83.2%-23.2pp | 79.8%-19.8pp | 82.0%-22.0pp |
| Annual return | 16.77% | 41.94%-25.2pp | 45.09%-28.3pp | 302.95%-286.2pp |
| Employer contribution / active EE | $2,731 | $4,976-45.1% | $3,919-30.3% | $4,762-42.7% |
| Participant deferral / active EE | $6,452 | $5,910+9.2% | $5,047+27.8% | $5,983+7.8% |
| Admin fee / account holder | $2,079 | $11,741-82.3% | $8,929-76.7% | $11,250-81.5% |