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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 | $106,872 | $181,062-41.0% | $158,223-32.5% | $155,188-31.1% |
| Participation rate | 37.5% | 82.7%-45.2pp | 79.2%-41.7pp | 80.8%-43.3pp |
| Annual return | 19.21% | 57.39%-38.2pp | 52.09%-32.9pp | 148.84%-129.6pp |
| Employer contribution / active EE | $1,321 | $4,565-71.1% | $4,109-67.9% | $4,248-68.9% |
| Participant deferral / active EE | $7,364 | $6,134+20.0% | $5,467+34.7% | $6,531+12.8% |
| Admin fee / account holder | $8,880 | $18,825-52.8% | $16,047-44.7% | $14,480-38.7% |