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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 | $122,838 | $95,415+28.7% | $185,851-33.9% | $85,851+43.1% |
| Participation rate | 56.0% | 68.8%-12.8pp | 81.7%-25.7pp | 69.3%-13.3pp |
| Annual return | 13.70% | 23.59%-9.9pp | 122.11%-108.4pp | 318.63%-304.9pp |
| Employer contribution / active EE | $1,920 | $3,314-42.1% | $5,168-62.9% | $2,565-25.2% |
| Participant deferral / active EE | $4,844 | $3,424+41.5% | $5,569-13.0% | $3,952+22.6% |
| Admin fee / account holder | $813 | $7,215-88.7% | $16,245-95.0% | $6,261-87.0% |