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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 | $72,355 | $78,682-8.0% | $109,188-33.7% | $85,851-15.7% |
| Participation rate | 61.5% | 68.3%-6.7pp | 75.9%-14.3pp | 69.3%-7.8pp |
| Annual return | 14.98% | 25.09%-10.1pp | 25.76%-10.8pp | 318.63%-303.7pp |
| Employer contribution / active EE | $1,804 | $2,734-34.0% | $3,723-51.5% | $2,565-29.7% |
| Participant deferral / active EE | $3,126 | $3,468-9.8% | $4,654-32.8% | $3,952-20.9% |
| Admin fee / account holder | $586 | $5,470-89.3% | $6,755-91.3% | $6,261-90.6% |