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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 | $50,861 | $114,119-55.4% | $107,187-52.5% | $138,895-63.4% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 79.9%-13.3pp |
| Annual return | 16.12% | 273.21%-257.1pp | 204.55%-188.4pp | 145.39%-129.3pp |
| Employer contribution / active EE | $1,928 | $4,059-52.5% | $3,782-49.0% | $4,194-54.0% |
| Participant deferral / active EE | $7,999 | $5,538+44.5% | $5,096+57.0% | $6,396+25.1% |
| Admin fee / account holder | $561 | $10,024-94.4% | $9,162-93.9% | $12,562-95.5% |