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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 | $37,956 | $105,210-63.9% | $159,487-76.2% | $85,851-55.8% |
| Participation rate | 69.7% | 75.8%-6.1pp | 82.8%-13.1pp | 69.3%+0.4pp |
| Annual return | 13.92% | 45.08%-31.2pp | 263.71%-249.8pp | 318.63%-304.7pp |
| Employer contribution / active EE | $1,593 | $3,319-52.0% | $4,831-67.0% | $2,565-37.9% |
| Participant deferral / active EE | $3,693 | $5,946-37.9% | $7,354-49.8% | $3,952-6.6% |
| Admin fee / account holder | $639 | $6,934-90.8% | $10,804-94.1% | $6,261-89.8% |