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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 | $96,343 | $93,345+3.2% | $119,126-19.1% | $87,485+10.1% |
| Participation rate | 50.0% | 68.7%-18.7pp | 75.8%-25.8pp | 68.9%-18.9pp |
| Annual return | 20.89% | 19.08%+1.8pp | 282.11%-261.2pp | 26.06%-5.2pp |
| Employer contribution / active EE | $1,706 | $3,172-46.2% | $4,034-57.7% | $2,596-34.3% |
| Participant deferral / active EE | $3,000 | $4,099-26.8% | $5,318-43.6% | $4,274-29.8% |
| Admin fee / account holder | $1,440 | $8,039-82.1% | $10,693-86.5% | $7,775-81.5% |