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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 | $58,966 | $114,119-48.3% | $107,187-45.0% | $138,895-57.5% |
| Participation rate | 56.3% | 78.1%-21.8pp | 75.0%-18.8pp | 79.9%-23.7pp |
| Annual return | 17.01% | 273.21%-256.2pp | 204.55%-187.5pp | 145.39%-128.4pp |
| Employer contribution / active EE | $2,831 | $4,059-30.3% | $3,782-25.2% | $4,194-32.5% |
| Participant deferral / active EE | $5,787 | $5,538+4.5% | $5,096+13.6% | $6,396-9.5% |
| Admin fee / account holder | $910 | $10,024-90.9% | $9,162-90.1% | $12,562-92.8% |