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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 | $86,016 | $67,823+26.8% | $52,425+64.1% | $137,256-37.3% |
| Participation rate | 50.0% | 63.9%-13.9pp | 55.6%-5.6pp | 80.0%-30.0pp |
| Annual return | 15.50% | 219.11%-203.6pp | 302.12%-286.6pp | 220.34%-204.8pp |
| Employer contribution / active EE | $1,447 | $1,163+24.4% | $914+58.2% | $4,156-65.2% |
| Participant deferral / active EE | $6,024 | $2,288+163.3% | $1,790+236.4% | $6,407-6.0% |
| Admin fee / account holder | $948 | $2,844-66.7% | $2,495-62.0% | $12,270-92.3% |