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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 | $81,227 | $100,262-19.0% | $81,370-0.2% | $145,897-44.3% |
| Participation rate | 50.0% | 74.3%-24.3pp | 69.5%-19.5pp | 80.3%-30.3pp |
| Annual return | 17.77% | 34.52%-16.8pp | 24.85%-7.1pp | 552.29%-534.5pp |
| Employer contribution / active EE | $697 | $2,979-76.6% | $2,464-71.7% | $4,663-85.0% |
| Participant deferral / active EE | $5,373 | $4,612+16.5% | $3,885+38.3% | $6,689-19.7% |
| Admin fee / account holder | $348 | $8,163-95.7% | $5,749-94.0% | $13,390-97.4% |