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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 | $82,980 | $201,264-58.8% | $184,185-54.9% | $145,978-43.2% |
| Participation rate | 60.0% | 87.5%-27.5pp | 86.8%-26.8pp | 80.3%-20.3pp |
| Annual return | 10.91% | 29.00%-18.1pp | 28.81%-17.9pp | 550.52%-539.6pp |
| Employer contribution / active EE | $1,948 | $7,021-72.2% | $6,426-69.7% | $4,662-58.2% |
| Participant deferral / active EE | $10,098 | $9,806+3.0% | $9,132+10.6% | $6,690+50.9% |
| Admin fee / account holder | $1,618 | $16,376-90.1% | $13,909-88.4% | $13,400-87.9% |